Accident Claim, Advice Please
Posted 08 July 2016 - 07:37 AM
The other guy is bang to rights and admits fault. If this were the daily golf I'd leave my insurers to sort and not be concerned. My concern is that the repair may be deemed uneconomic and I need to avoid that.
Anyone had similar issues? I'm thinking to inform Adrian flux what's happened but tell them that I'll only claim on policy if I have to and then claim direct from the other blokes insurers. Essentially what I want is cash to arrange my own repair with someone I trust, not a repair from someone on an insurers panel who'll throw patern panels on it.
Any thoughts on the best approach.
Car is (or was) very tidy but has an insured value of 2500 which us light for a 1981 44k mile car.
Thanks in advance.
Posted 08 July 2016 - 08:19 AM
Edited by MatthewsDad, 08 July 2016 - 09:12 AM.
Posted 08 July 2016 - 09:19 AM
Yes the car will be a cat c or d just do what I do when repairing them take photos of damage and repairs for if you want to sell the car
End of day it's a mini
Posted 08 July 2016 - 09:24 AM
Posted 08 July 2016 - 10:23 AM
Posted 08 July 2016 - 10:58 AM
There's nothing to stop you claiming directly off the other driver's insurance - it's what you'd do if you only had 3rd party cover. The potential pitfall is if the other party fails to cough up and you have to go back to your own insurers. No claims discount is exactly that, you'd only lose it for making a claim on your insurance. Though you are obliged to disclose the accident and it will affect your renewal premium.
The other driver admitting error at the scene doesn't make them liable, gather all the evidence you can of what happened.
Posted 08 July 2016 - 11:46 AM
What I would try and do is work out how much it will cost to repair your self with heritage panels, paint labour ect and then speak to the insurance company and tell them the price it will cost. This is likely going to be far less than any approved insurance garage and you know the work will be carried out correctly ( especially if you want to do it yourself). Although ive never done it ive know insurance companies to agree to deals like this and simply pay out with little to no questions asked to get the claim closed quickly and with minimal financial impact to themselves and no markers on your car.
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