Yes I will be keeping car as the damage has just affected the body work but this is the most expensive thing to repair on the car. The car is not expensive but I only bought it last year.
The car was valued at £1,500. and they are settling for £1,200. What I really need to know is will this affect my current car insurance as I don't want to lose my NCB as I will be losing doubly through no fault of my own. I do not want my car insurance premiums to rise - is the damage claim relating to car insurance or a claim against damage to the vehicle through neglect from the landlord and their public liability insurance?
No, it wont as you are not making a claim.
But they are entitled to deduct salvage.
This is because if they pay the full replacement price then you are driving around in a car for free, which can't be right
You are only entitled to your loss, which in this case is the difference between the price before it was damaged and the price after less what it is worth
Therefore deduction of salvage value is ok
But you wont use no claims
Can I clarify anything for you about this today please?
Ok, that means I have to accept their offer. Do I tell my current insurance company of this or when I next renew.
If you could clarify about the negligence claim I would be grateful. I have done a lot of research and feel I have a strong case for compensation but the insurance company are ignoring these points in all my correspondence apart from saying they admit liability for the damage to the car. They are willing to settle for the damages for the car but are not saying anything about the negligence which I feel is paramount. If I settle for the damages for the car where liability has been stated, am I forfeited my right to claim compensation for the full extent of my claim? The landlord has not produced any arboriculture reports or risk assessments even though the tree was large, over 20 years old and in a open space (car park).
So the landlord is not responsible for not completing work they were commissioned to do? Surely they have broken a contract for services not delivered? Would this mean I can make a complaint directly to the landlord and the insurance company are no longer involved in this aspect of my complaint.