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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

Insurance advice not on bike tho ??

As some of you may know last week a crate of logs fell off a delivery wagon onto my car.

Gone thru my insurance with all the details of the delivery company's details (Insurance company and policy number)

I haven't been asked for photographic evidence at all just described what happened and damage done to my car.  They said the car would be written off without inspecting damage and told me to remove tax disc and send log book off stating the salvage company's details. (got collected this morning:upset:)

What I'd like to know is what happens if they offer a ridiculous amount for the car ie not the value of what it would cost to replace like for like ?

 

It just seems a bit cut and dry at the minute and also my 2m high crate of kiln dried logs were no longer dry, I had to wait a couple of days for someone to give me a hand storing them as they were strewn all over the drive getting wet. I managed to keep alot of the dry but didn't have enough polythene to cover them all.

:upset::upset::upset:

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  • Posted 2 years ago (27 November 2012 11:38)

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ninjachica

Joined:

Jul 08

Posts: 4402

ninjachica says:

Usual Things

First offer will probably be silly, so refuse it.

If I remember, the car was up for sale...?  If so, send them a copy of your advert, showing them the sum you would accept.

You might be lucky - as it was obviously the fault of the delivery people, it might all be resolved nice and quickly - it does happen :winkie:

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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

Will do

I'm scouting about for the same car with roughly same mileage, but my other point albeit a secondary one ,t I paid 240.00 for my logs and they were all sealed as they were bought dried. Within a few hours they were soaked even tho I got them under cover as soon as poss but they were just dumped in my driveway.

Would I be entitled to any recourse on now not having delivered what I paid for.

 

It's going thru very quickly but maybe a little too quickly.

Thanks for the replies, I needed to clarify the argument about not accepting silly offers and what grounds do I have to expect like for like money?

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smidget

Joined:

Nov 07

Posts: 2424

smidget says:

bb41

as the insurance company have not paid you for the car or made you an offer for the car I do not see how they can dictate that you release 'your' car to a salvage company.

It is usual practice to agree the final settlement before any disposal of a vehicle.

I would suggest that you contact your insurance company and ask what is going on. In the mean time you could contact ACIC and ask what they make of this situation.

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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

thanks Smidget

I thought they would have to make an offer first.  I can't see the cost of the damage amounting more to the value of the vehicle especially as they had no photographic eveidence.  This only happened Friday afternoon and the car has been salvaged by Copart:blink:

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ninjachica

Joined:

Jul 08

Posts: 4402

ninjachica says:

BB

Why not ring up your log company, and have a chat with them?

Explain that your insurance is dealing with your car, but you are calling about the state of the logs on delivery - ie, wet.  Ask them nicely about any compensation for the inconvenience.  Maybe they will offer you a reduction in your next delivery. 

If they are off-hand, then you will need to go back to your insurance and claim for damages beyond the cost of the car.

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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

NC

It's the log company who have asked for the photographs, I suppose they will put in a claim as well for damaged reputation!

I'm thinking I might not come out of this too well

 

Also would the ACIC lawyer on here take up a non biking case as I feel I am about to be shafted by a big insurance company ??

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smidget

Joined:

Nov 07

Posts: 2424

smidget says:

BB41

SHhhhhhh but they also do car claims 'carlawyer'.

But don't tell everyone.

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ninjachica

Joined:

Jul 08

Posts: 4402

ninjachica says:

Ah

Is the delivery driver separate to the log company?

If so, still have a chat with the log people, and they'll just charge it back to the delivery man.



Usual thing though - make a note of all calls (times/dates) and names of people you speak to.  Helps to build a case if anything goes wrong.

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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

Will do

I'll pop over to legal and ask and keep your posted, thanks for everything:smile

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Tabasco

Joined:

May 09

Posts: 215

Tabasco says:

Thats easy

it'll be on a national insurance loss site (that I'm obviously not going to name). I buy used cars and bikes from there, repair the damage and make a fortune selling them on. It's so easy to do. I'll give you a good price if you want it back hehehe :lol:

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