Yes I have tried negotiating and have provided copies of adverts for similar vehicles.
I have made enquiries and can get my car repaired for £1000 so I made them the offer to take £1000 and keep the car.
They say they can only offer me the difference in salvage value £300
against the book price of £700 so I would get £400 and a Category C
on the log book
If it was not your fault, Idon't know why you put a claim through your own insurance company. You willlose your no claim bonus and will have to pay the excess.
I would have simply claimedagainst the faulty driver insurer.
To be frank, I would be suingthe other driver for everything.
The value of the car can bethe source of many arguments and debates in court.
I would be very surprised ifyour own insurance company offered more than they have done.
It is also very difficult toargue with your own insurance company.
The value of the car is theamount of money that would be paid by a willing buyer willing seller. It is notfull retail that a car would be for saleon the forecourt at.
In practical terms, it isabout halfway between full retail and bottom book.
The purpose of insurance isto put a person back into the position that they would have been had theincident not occurred. The law will not however enforce an impossibility and ifit is impossible to get a car of the same condition the court will simply awardmoney instead.
You appear to have done allyou can with regard to getting evidence but this is not something that would bedirected against your own insurance company.
I don't know whether your owninsurance company has recouped their loss from the faulty driver's insurancecompany but you do need to find out. Only when you have that information willyou know whether you are suing the other driver for the full amount or just theshortfall. If you sue the other driver for the full amount because hisinsurance has paid nothing then you will have to refund any money to your owninsurance company that they paid.
If you had any kind ofwhiplash injury, all this will be dealt with by the injury solicitor, free ofcharge, as part of the overall claim.
Does that answer thequestion?
Can I help further?
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I amoffline shortly until later today and will pick this up then
So do you think I could still go back to the other parties insurance company and try to deal with them?
They did contact me early on to, but my insurance company advised me not to deal with them.
His insurer is Groupama through our local (Taunton) branch of Swinton
I have no experience of their claims handling.
You need to find out if your own insurance co has settled the claim with them and if they have been paid.
Until then it is impossible to know which way or how to move fwd.
I assume that you haven't been paid out yet
They have now offered £1395 to settle. I can keep the car for the salvage value of £375 but I have to surrender the V5 and mot.
When I have repaired it I have to get it checked and mot'd.
Do they have to tell me if they have settled with the other company and for how much?
Yes, you are entitled to know if they settle and how much.
For the sake of this amount is it worth losing yr NCB?
They aren't entitled to the V5 or MoT if you are buying the salvage
If I settle for the £1020 and keep the car, I will not lose my NCB as the other party has accepted responsibility.
I am now dealing with Incident Management Solutions Ltd.
Who say they will send me a finishing off letter, but they want the V5 & MOT.
Can I refuse to send the documents, and still get the settlement?
The car is yours, so why should they want the MoT and V5. They are talking rubbish. Idiots.
You have No Claim Bonus, not a no fault bonus. Getwritten confirmation that this will not affect your NCB and ask them to confirm in writing that this must only be declared as a non fault accident. I have experience of this so that's why I am warning you. get it all in writing.
Thank you, XXXXX XXXXX put this to them and see what response I get
U might get a surprise!