Well as many of you know some donut hit my car. We are bith insured with admiral (I knew this was going to be a problem) now they have come out and saidthe damage I claim he has caused was already there!!!!! They offered me a £300 settoement before VAT. Ummmm NO!! I am well and truely fed up with thus. 28 days ago I put my car up for sale(for financial reasons) and a few days later the tit hit my car putting the sale on hold and it then starts costine me money. I have the listing on gumtree which is about to expire. With all relevant photos with NO DAMAGE! Because there wasn't any. I've offered to show them this and they said it doesn't matter about that. So I demanded a ln assesor to come out and inspect the car because they say they can see rust on the rear panel below the light from a photo! Un fooking beliveable!! Any ideas on how I can argue my case (with my for my own insurance company , against my iwn insurance company)?? Winter is not a good time to sell a zed and the worse this weather gets the harder it will be for me to sell up. Ive had over 40 people get in touch about buying the car and had to turn them all away. Fed up to the limits and to top it all off I got underpaid for 52 hours work from work and I get paid on the 21st of December. Low and behold im working from the 19th till xmas day so I've sod all cash to do xmas shopping unless I sell my car. Oh wait. I can't!!! I must have been a murdering rapist terrorist in my past life and I'm paying for it now

 

When I was 16 u held a cbt and drove a scooter (fully legal) for 12 months. At 17 I went up to a 125cc (fully legal) until the 10th march 2008 when my cbt and insurance ran out. My driving test was the 12th march 2 days later. I drove my scooter uninsured ended uo going through the rear window of a golf. (My fault and daft and naive and I was an idiot. That accident has cost me close to £16000 yes thats £16000!! I was only 17 for gods sake. Today I paid my last payment after getting sued for injuries to the driver ( I was doing 25 mph on a 125cc scooter) the only one who got injured was me. 40 stitches to my neck and throat.

 

The point im making is. You drive uninsured and you get hammered. You get insured and it still costs a fortune but you get called a lier and it still costs a fortune. Insurance companies or politicians.... I'm not sure which one ****s me off more!

 

Sorry for the rant but what a shite year I'm having. Father having 2 strokes. Lost my job (im self employed now) getting sued, car gets crashed into at the single worst time of the year., underpaid from work just before xmas.

 

The life of Adam Craig :lol:

Again without knowing the policy wording and all that kind of thin i can never be sure and theres also 2 views (yours and the insurers) but from what yours saying, something seems to be a miss there. Usually people over 25 can drive another persons car with the owners permission. For example, I could drive your car if you let me but I would only be covered third party only (NOTE - not all policies cover this). Quite often there is an exclusion for vehicle owned or leased to you or your spouse/partner. I don't know whether all companies have this kind of exclusion but mine certainly does. Given you're saying your wife can claim under her policy, I can only assume that the exclusion isn't on her insurances policy.

 

It sounds to me like you're allowing your wife's company to sort out the claim but in the meantime that your own company have been contacted (probably by the other parties insurer) claiming that the incident has happened and your insurer has said ok given the circumstances they're aware of they'll pay out - usually an insurer can make the decision as to whether or not to pay out but if they've not spoken to you or written to you I don't understand how they could possibly say whether or not an incident has happened. Out of interest, did your wife hit the other party in the rear? If so then it might give a little bit of an explanation as to why they've proceeded to pay the claim.

 

Out of interest, why on earth have you got a £3000 excess? Have you checked your documents to see if that's right?

 

Also is your wife a named driver on your car?

 

She is named driver but also has a policy on her name on her car. It was the only company that didnt charge me over 3000 pounds for insurance and didnt want any ncb and dont give it.

 

she didnt give way at junction and clipped the osr of a car driving by and that car spun out and crashed into a parked car. She gave each person her insurance details.

I would generally expect that the claim would go on your cars policy to be honest but against the named driver. Is your car being repaired and what level of cover do you have?

I would generally expect that the claim would go on your cars policy to be honest but against the named driver. Is your car being repaired and what level of cover do you have?

 

full comp? is that what you mean? no my car hasn't been repaired and that insurance expired, so would i still be able to claim for damages if they want the excess then ill want my car fixing at least

I would think so provided the damage was from the accident.

yes it is