wrendubs

So is this not a normal way for a claim to be handled? I reported the crash They asked for photos I sent photos They said it was a total loss I asked for a settlement offer They told me they need to collect the vehicle first and wait 5 days It's now been 5 days (although 2 days were weekend) I'll probably ring them tomorrow for an update and wait about another 3 hours for them to answer the phone I have no point of reference to compare this to, I've never been in a crash before and never had to claim on any insurance

Absolutely, I have no reason to lie in an anonymous forum I submitted photos of my car after the accident and was informed it was a total loss, and that they would need to arrange for Copart to collect the vehicle then wait 5 days for a settlement offer. When I called the insurer to ask for a settlement offer they said they could not give me one until the vehicle had been collected as they needed to confirm it was written off My insurers have not been easy to deal with, and the entire process has left me extremely confused, as since I've come to this forum I'm given the impression that my car should never have been taken away, but there was no reason for me to think that my insurers were not doing something routine The incorrect job is a different issue entirely which has only come to light when I was sent a form to fill in about finding out who is at fault

That's just it, I don't want to lie on this form, but at the same time it would be easier to not have to bring it up at all, get the claim over and done with, and then make sure I update the policy

Thanks for the tip. I'll look up similar vehicles in the same condition/spec to use to argue with them!

Reassuring, thank you

Haha no of course not! Their car was hardly damaged and I'm the one spending my life on the phone trying to figure out what's going on I just want it all to be over and to get back what my car was worth so I'm not out of pocket

I can assure you I'm not willing to be screwed over, I just didn't realise I was The written off vehicle has already been collected last week before any replies to say otherwise Can't go back in time, but I did remove the spare wheel 🙂

It was the googling that confused me in the first place 🥴 conflicting information there and can never know what's true Was hoping to get a few replies here and see if others (that have had non-fault insurance claims) have been asked to prove their occupation I have no idea what to write on this statement form, as it specifically asks for my occupation

My business occupation would have a higher insurance premium unfortunately There's no way of blurring the lines between the two, they are totally different I am so unsure what to do. I need to insure my new car but they will want to check through my details including occupation. If I change it now it could void my entire claim

It's so hard to know what to do. In terms of who is to blame - I'm hiding nothing. I was rear ended at a junction where there was oncoming traffic and the other party admitted liability several times. But a month later and my insurance company is still awaiting an official liability to be accepted by the other driver. I think by default it would be them, even if they now decide to deny It's now difficult to insure my new car, as I need to change the policy over and they will want to check through all of my details. I'm not sure what to say when they ask my occupation! What an absolute mess.

I don't know, there's no instruction manual for car insurance claims and having never been through one before I've gone by what my insurance company have told me. I'm frustrated with it all, don't know what should be happening, don't feel like I'm getting justice for what's happened and I seem to be the one running around chasing everything up despite it not being my fault meanwhile the guilty party carries on with life.... ☹️

Hi Thanks for replying. I think perhaps I didn't explain myself well enough On my insurance policy I am down as occupation "X" but this has not been actually been the case for over a year now The cover is for business mileage relating to my occupation, plus social & commuting It doesn't look like they asked me further information about my business mileage. Business mileage is for occupation "Y" but no mention of this on the policy Previous employed occupation and current self employed occupation are completely different If I need to prove occupation X then I am stuffed And when I'm being asked questions about my occupation I'm not sure what to say, as if I say Y then they will ask why my answer doesn't match what's on the policy? Plus the form I'm being asked to fill in, I surely can't put occupation X because that would be insurance fraud and if I'm asked to prove it I can't

Hi I'm in a situation and extremely concerned. I know I have been stupid so please be kind, I am beating myself up enough. I was previously part time employed, and part time self employed. My insurance cover reflects business mileage plus communiting, but they never asked what my self employed job is and most of my income was from my employment, with very few miles being business miles, so it didn't seem relevant to bring it up. I didn't even realize it would affect a claim, wasn't on my radar and I was hardly expecting to have my car written off I left my part time job last year, and in the meantime my insurance renewed itself. I failed to update it to say that I am full time self employed, didn't even cross my mind My insurance is technically invalidated if they find out. My insurance company are currently navigating my non fault claim which happened a few weeks ago Am I going to be asked to prove my occupaation, is that standard practice? I am about to fill in a statement form, outlining what happened at the time of the accident so they can determine who was at fault (even though the other party has already admitted it...). This form asks me for my occupation, and states that if I give incorrect information there may be proceedings for contempt of court being brought against me if I make a false statement in the document. I have no reason to make an incorrect statement, but if I put my occupation on the form it won't match my policy and I may not be covered I am SO worried. I've been given a hire car, and am having physiotherapy for my injuries as a direct result of the accident. I worry that if my insurance is invalidated I will have to cover these costs Does anyone have any experience of this? Are they likely to ask for proof? All I can seem to find using google, is that they may ask for proof. Is this more likely with a fault claim? Do I just come clean and accept I may need to pay all of these costs, or do I play dumb? Help 😞

Thank you, to be honest I'm not sure, I'm struggling to find out the spec of the wheel needed for a roomster and I'm not car savvy beyond the basics In the end I kept my fabia spare wheel in the garage and it's been taken for assessment and valuation without it, in another thread I asked if this would fit in my fabia and it seems it'll be okay are a temporary spare, but maybe it's not exactly the same. So I think I'm okay, I guess I'll see if it fits in the gap when my roomster arrives!

They said they need to collect it in order to assess the vehicle and then value it for a settlement figure