As some may be aware, my Dutch brother-in-law decided to play lets fook the Zed up day the other month. He hit me from behind and has taken full blame for the accident.

I get in touch with my broker to inform them of the accident and they then appointed a solicitor. (The no win, no fee type). I was unaware of the fact somehow they havent used my Norwich Union Insurance policy that they put me with, but used their solicitor.

Cutting along story short i had someone come to value the car and damage. I thought it was from the rep from my Brother-in-laws company but it wasn't. It was from mine(as i received the letter today). I have been told the car is a write off and the value is 2000 quid. Minus the scrap value of 200 quid=1800 cheque. I keep the car and get the cheque.

But should it be my insurance writing it off?? or should it be my Brother-in laws(cus they are paying!!??)

and whats this scrap value???. How come im buying my car back from my insurance broker who i have been paying. I don't get it. Its my car, not theirs. Fooked if i know. Please someone explain:rant:

 

Sorry for the length of the thread!!

 

cheers jonce

well for starters claim off your bro-in law insurance not yours as its a no fault claim...value is basically them looking in autotrader at a similar 300zx car and offering that as the deal less 20% for buying back the wreck...remember if you dont have agreed value policy you will get the avg value of a smiliar TT auto

 

first dibs on your navan shifter if you break her :D

Edited July 3, 200817 yr by Uno

but what i dont get is that how come i have to buy my own car back when i have never given it to anyone?? Its fookin robbery!!??

but what i dont get is that how come i have to buy my own car back when i have never given it to anyone?? Its fookin robbery!!??

 

no its called insurance....:wack:

 

you could ask your bro for the cash and get her sorted private...if he dont have the dosh then he has to claim off his cover thats normal...if he has no cover then you would claim on yours of course...i guess what is happening is your insurers will try to claim off his policy at a later date so they are really just trying to get you back on the road in a zed as soon as poss i.e.the same position you was in b4 the crash...you dont have to take their offer

but what i dont get is that how come i have to buy my own car back when i have never given it to anyone?? Its fookin robbery!!??

 

Tell em straight that its your car and you aint paying sh1t for it back! Just say i will keep the car and im not giving you a penny!!! :mad:

but what i dont get is that how come i have to buy my own car back when i have never given it to anyone?? Its fookin robbery!!??

 

With the insurance it’s basically saying.

 

If you write your car off, we will promise to buy the written off junk to the value of an average working model of your car.

 

After we buy this junk off you, you can buy it back off us at its scrap value if you like.

 

Clearer??

Tell em straight that its your car and you aint paying sh1t for it back! Just say i will keep the car and im not giving you a penny!!! :mad:

 

Cant do that, if they pay out for a write off they then own the car. They can chage whatever they like and there is sod all you can do about it.

.....................But should it be my insurance writing it off?? or should it be my Brother-in laws(cus they are paying!!??)

and whats this scrap value???. How come im buying my car back from my insurance broker who i have been paying. I don't get it. Its my car, not theirs. Fooked if i know. Please someone explain:rant:

 

Sorry for the length of the thread!!

 

cheers jonce

 

Firstly if you are insured fully comp it is normal for your own insurers to assess the damage and repair it or pay you the value of the car if written off, regardless of fault.

 

If the accident is not your fault, your insurers then recover their losses from the other party's insurance company, leaving you "claim free" and your NCB intact. That way you get paid out quicker; it's a real benefit of comprehensive insurance. Your insurers will of course deduct your excess, which you recover from the other driver as an "insured loss."

 

Secondly, if they pay you out for a total loss, then the car belongs to them as they have bought it from you.

 

However you have a couple of choices regarding the salvage. You can say that you don't want the "remains" as you have no means of disposing of it; ask your insurers for the full value of the car and get them to take it away. They could scrap it and keep the proceeds or recover the cost of removing the wreck from the other party.

 

Or if you want to keep the car, tell them that you reckon the scrap value is only £50, not £200 (get a written valuation from a scrap yard).

 

HTH

 

Richard:cool:

Ah, Im fully comp so that might be the reason!!??

i'd say so.....remember if you have cashed their cheque its acceptance...personally your zed looks nicely modded so buy the wreck back and strip her of the bits n bobs they are worth more than £200...or get her fixed with the £1800 cheque and re-certified / tested as road worthy...got any pics of the damage?

Pics are on my rides bud. Im keeping the car.

what pisses me off with insurance is that if someone crashes into whether you are fully comp or not, your insurance will still go up, and you have to tell them about the accident as it will be on the insurancedatabase

 

fookin sly coonts

what pisses me off with insurance is that if someone crashes into whether you are fully comp or not, your insurance will still go up, and you have to tell them about the accident as it will be on the insurancedatabase

 

fookin sly coonts

 

Any excuse to screw more cash from us...........:(:xxx: