Hello, my name is***** am a qualified lawyer and I will be assisting you with your question today.
What reason have the provided for not claiming through their insurance?
Hi there. Thank you for your request for a phone call. I am unable to talk at the moment as I am in court today but if you provide the information requested, I will review the relevant information and laws and get back to you as soon as I can. Please do not respond to this message after you have provided the information as it will just push your question to the back of the queue and you may experience unnecessary delays. Thank you
Sorry I am unable to call at present as I am in court. What reason have the provided for not claiming through their insurance?
What is the approximate value of the item?
call offer proposed, once accepted will call as soon as i can
So do you wish me to continue on here?
the initial deposit you paid covers the written responses on here. if you need a phone call then that is at an additional cost as per the quote sent
ok no problem, I will reply this eve once back home from court, many thanks
Many thanks for your patience. From what has happened so far it does not appear that liability is under dispute – they have admitted there are liable and have taken responsibility for the damage caused. Therefore, the main issue now is how to take things further and ensure that you are adequately compensated for this.
When it comes to compensation for items that are of sentimental value, unfortunately the courts will have to consider simply what their market value is because it is impossible to measure sentiment and attach a value to it. So if a replacement is not possible then financial compensation up to its current value is the most likely outcome.
In terms of progressing the claim, if they have insurance then that is what should cover such claims. However, it is not mandatory for compensation to be issued by the insurers. If the company wanted to do this directly and not claim from their insurance then they are of course able to do that. However, one way or another you must be compensated.
If they are not willing to resolve this and are neither compensating you directly, nor giving you details of their insurers, then you can consider taking this matter further by pursuing them down the legal route, which is always an option open to you.
This is your basic legal position. I have more detailed advice for you in terms of the steps you must follow if you wanted to take matter further, which I wish to discuss so please take a second to leave a positive rating for the service so far (by selecting 3, 4 or 5 stars) and I can continue with that and answer any further questions you may have. Don’t worry, there is no extra cost and leaving a rating will not close the question and we can continue this discussion. Thank you
Hello, I see you have read my response to your query. Please let me know if this has answered your original question and if you need me to discuss the next steps in more detail? In the meantime please take a second to leave a positive rating by selecting 3, 4 or 5 starts from the top of the page. The question will not close and I can continue with my advice as discussed. Thank you
Someone somewhere will have an approximate figure for its value - whilst that may mean looking around for more specialist valuers, such as those attached to auction houses, you will have to find some kind of approximation for its value, otherwise in the end a court may have to decide but they may not be that precise with their estimation
If your original question has been answered I would be grateful if you could please quickly rate my answer by selecting 3, 4 or 5 starts at the top of the page - it only takes a second to do and is an important part of our process. I can still answer follow up questions afterwards if needed. Thank you