Just seen this Pasty. Sad times for the PastyWagon :(

 

Fingers crossed it all gets sorted out with the minimum of hassle.

Well after yesterdays prompt it would seem we finally have movement.

First i received a random text "Tecreports" informing me that will be inspecting my vehicle and i could track it at such and such web address.

Then I got a phone call from "Motofix" saying that tomorrow they will come and collect my car to be taken away and inspected.

 

Later in the day I then get a call from Equity Red Star to ask if i'd had an accident.

Given they are my underwriters it's a little concerning that they have 1) only just found out and 2) some of the details in what they had been sent seemed incorrect.

However they had had no contact from the ladies insurance attempting to claim against me so it may be that she isn't quibbling liability after all.

Meaning the call i got on Saturday morning was actually incorrect - Red Star think that may have been down to an incomplete story at her insurers at the time of the call which since may have been changed and they may have accepted fault.

 

This is a freaking mine field though, I can understand now why incidents where there is potentially a question over fault and liability could drag on for months. 

 

Lets run through my situation so far this so far shall we (and this is before you take anything her side into consideration!)

 

I am insured with Adrian Flux

My policy is under written by Equity Red Star

Adrian Flux don't have a claims department so they outsource this to loss recovery company called ULR

However they don't arrange hire cars or vehicle inspection so that is outsourced to AI Claims who are also potentially Quindel Group.

The Rapid hire car I have is actually from AVIS

A company called Tecreports will be carrying out the inspection and managing the repair/write off process.

But the car will actually be collected, inspected and potentially fixed by Motofix

 

Easy as f***ing peas

On a side note it's useful having it laid up at work not being used as Mrs Pasty's car blew a dip beam bulb yesterday and i don't have any in the garage so went in a robbed one off the red car to put in hers

I long for the days of simply letting Frizzell sort out the lot. Unfortunately, they changed their policy to disallow all/any mods.

 

Having a single point of contact makes it so much easier.

 

J.

On a side note it's useful having it laid up at work not being used as Mrs Pasty's car blew a dip beam bulb yesterday and i don't have any in the garage so went in a robbed one off the red car to put in hers

 

So what if she kerbs all the wheels, blows the turbo?  

IF she kerbs the wheels?

IF?

oh how you make me laugh

 

There is however a full set of Seat Leon wheels in the garage and a brand new set of Uniroyal Rainsport 3s too

 

Should i get a decent offer to buy the car back when they inevitably write it off I may bank the turbo just in case

I don't understand why insurance claims can take so long. I had a shunt in the Rover last September, single track road, blind bend, head on. No independant witnesses so the realist in me knows from an insurance point of view it's going to go 50/50. Damage wasn't that bad, headlight, bend wing, bumper and bonnet and twisted a bit of the inner wing but didn't bend anything important. All fixed with a hammer and bits I had in the garage. Other car, Skoda Yeti, had damage to bumper, light and wing.

The other lady driving the Yeti was reasonable to deal with and then her husband turned up and started accusing me of everything under the sun and I knew it was gonna be hassle in my life to deal with. It got to the point where I pointed out that I have his insurance details, he has mine so I'll just pass everything on to them to deal with and if he would mind extracting his wife's car from the front of mine so I can get on with my afternoon, that'd be great

 

Anyway after an initial contact from his insurers to mine after a couple of weeks, I was told that they were waiting on drawings and details of a whiplash claim and haven't heard anthing since. Whether or not he's going to pursue the claim I don't know. I've done a big of digging on the guy and it turns out he's a full on mega property tycoon so maybe he can't be arsed. Whatever. My policy is due for renewal next month so I'll ask then if anything has happened.

 

Hope yours goes smoother.

HA, good luck with Equity Red star and Flux. 

 

I had a terrible experiance with them simply not being arsed.

 

To be fair, the incident I had (or i should say my wife in my car)  was in our fault and there was no arguing it. She skidded through a red light in torrential rain and clipped a pedestrian causing him to fall and have a hairline fracture in his foot. 

 

They didnt want to send a barrister to the court case, as "it might upset some people". So I had to go to a local solicitor, TBF one of Belfasts best by all accounts and got it sorted. 

 

I wish you all the best with this Cliff but you're certainly in a better position I was. 

 

As a result of my experiance with Equity RS i'll not reinsure with Flux, even though their service was superb. 

Wont go into details as typing on the phone, but you need to keep em on the ball. I was in an minor accident a few year ago which was in no way my fault, both my and the other partts statements gave the same story and yet my insurance still sent me a letter advising me to accept 50/50. Was fuming and sent a letter pointing out that i was in no way at fauly along with google streetview images showing road layout and eventually got the claim awarded in my favour. This took 9 months, was very minor and no injury claims. Had 2 other non fault deaings and those have similar stories. I found you need to chase and pester them weekly to keep things moving, shocking really.

This is a freaking mine field though, I can understand now why incidents where there is potentially a question over fault and liability could drag on for months.

 

Indeed. :(

 

And if it's not been settled at renewal time your insurance goes up as it's not settled and could (in theory) go against you.

 

This is why I now put the footage on youtube and send everyone involved a link.

Liability is usually admitted within 48 hours.

Well after yesterdays prompt it would seem we finally have movement.

First i received a random text "Tecreports" informing me that will be inspecting my vehicle and i could track it at such and such web address.

Then I got a phone call from "Motofix" saying that tomorrow they will come and collect my car to be taken away and inspected.

 

Later in the day I then get a call from Equity Red Star to ask if i'd had an accident.

Given they are my underwriters it's a little concerning that they have 1) only just found out and 2) some of the details in what they had been sent seemed incorrect.

However they had had no contact from the ladies insurance attempting to claim against me so it may be that she isn't quibbling liability after all.

Meaning the call i got on Saturday morning was actually incorrect - Red Star think that may have been down to an incomplete story at her insurers at the time of the call which since may have been changed and they may have accepted fault.

 

This is a freaking mine field though, I can understand now why incidents where there is potentially a question over fault and liability could drag on for months. 

 

Lets run through my situation so far this so far shall we (and this is before you take anything her side into consideration!)

 

I am insured with Adrian Flux

My policy is under written by Equity Red Star

Adrian Flux don't have a claims department so they outsource this to loss recovery company called ULR

However they don't arrange hire cars or vehicle inspection so that is outsourced to AI Claims who are also potentially Quindel Group.

The Rapid hire car I have is actually from AVIS

A company called Tecreports will be carrying out the inspection and managing the repair/write off process.

But the car will actually be collected, inspected and potentially fixed by Motofix

 

Easy as f***ing peas

So, that's a MINIMUM of eight businesses doing very nicely thank you out of your premiums ( and mine )

No wonder insurance costs so much!

Indeed. :(

 

And if it's not been settled at renewal time your insurance goes up as it's not settled and could (in theory) go against you.

 

I'm in exactly this position at the moment. Was rear ended a few days before my insurance ran out.

 

Insurer very clear that as not my fault would not go against me and insurance would not go up, just as long as the other party had admitted liability by the renewal date.

 

But as the renewal was yesterday and they have not contacted the other party's insurers until today, that didn't happen.

 

So the price went up.

 

Still, Octy should be back on Friday all fixed and pretty and gets traded in for the Yeti on Saturday morning.

 

Oddly, before the accident, current insurer would offer me a refund on premium moving to the Yeti, since the accident I have to pay more. Hmmm.

 

But as the renewal was yesterday and they have not contacted the other party's insurers until today, that didn't happen.

 

So the price went up.

 

 

 

Ehm ... sooo it goes up purely because THEY weren't fast enough????

At least you'll be able to claim a refund of the increased premium when the case is settled then?? (/sarcasm off .... )

 

 

I'm not sure at what point they are deemed to have taken ownership. From logging the call springs to mind.

 

Once you accept a payout it is theres,they then ask for logbook/MOT and give you a set amount of time to remove personal items from the car. 

 

 

 You can guarantee your premium will increase because that is what happens, even if it is deemed not to be your fault your premium will go up.

 

 

Unfortunately this is correct,been penalised since 2009 when my 309Gti got written off.

It was a non fault accident and I had my excess back etc,but when I asked my insurance the reason I'm getting my premiums loaded they said 'Because you have been involved in a accident' 

I was involved in a non fault accident. All paid out and settled in my favour. Then I get a court summons from the insurance company. So I go to court quite confused. And it would appear that they wanted to pay me out for everything again... Lol. The judge was slightly confused. And told them off for wasting everyone's time. Insurance companies have set many people involved these days it's hard to know what is going on lol.

Once you accept a payout it is theres,they then ask for logbook/MOT and give you a set amount of time to remove personal items from the car. 

 

 

Unfortunately this is correct,been penalised since 2009 when my 309Gti got written off.

It was a non fault accident and I had my excess back etc,but when I asked my insurance the reason I'm getting my premiums loaded they said 'Because you have been involved in a accident' 

 

Yep - statistically if you've been involved in an accident, you're more likely to be involved in an accident again.

 

I can understand that for an at fault claim - if you got it wrong once, you may get it wrong again.

 

If you're sat at the lights with the handbrake on and someone drives in the the back of you, i guess you must have a target painted on the back of the car, so it's likely to happen again....  :wonder: 

Well the car's now gone off for inspection

Even the guy who collected it - self confessed "no expert in the area" - reckoned they would write it off.

 

fun times ahead

Might not be, my uncle was involved in an accident, line of traffice car went into back of him at speed knocked him into car in front, i think there was avout 6 cars involved by end.

Guy picked car up and said you might want to take all stuff out it will be written off this one.

Turns out repair was about £80 cheaper theb writing it off lol, was in repair for just over a month and they kept going back with little things like glove box not opening and other little bits.

Sorry to see this :(

I would hope her not 'giving way' as per the signs would put the blame fully on her, BUT I was told by a traffic cop that some insurance companys will say if you are in the centre on the chevrons you do so at your own risk, and will try to use it against you.

they are there as a warning, but you are not breaking the law going in there as the lines are not solid.

Maybe. But then you could say by driving further into the middle of the road, you were widening her field of view. Thus she should of seen you.

I for one sometimes drive further out just to see if a cars going to stop earlier. Obviously only if its safe to do so.

On a side note it's useful having it laid up at work not being used as Mrs Pasty's car blew a dip beam bulb yesterday and i don't have any in the garage so went in a robbed one off the red car to put in hers

Just a thought about this Cliff.... If you've removed a headlight bulb from the red car, and it's now gone off for inspection, might the inspectiong company notice this and potentially it could be used against you? I.e lack of visibility etc?  

Having said that, I guess the people collecting the car are on your side aren't they, so my point my be irrelevant!

I thought that too. But the accident happened in daylight, right?

It annoys me, why should you have to buy YOUR OWN car back off them if they write it off, you bought the car in the first place and it's yours not the companies :S you should be able to sell parts off it or scrap it or do whatever with it without having to buy it back

Just a thought about this Cliff.... If you've removed a headlight bulb from the red car, and it's now gone off for inspection, might the inspectiong company notice this and potentially it could be used against you? I.e lack of visibility etc?  

Having said that, I guess the people collecting the car are on your side aren't they, so my point my be irrelevant!

 

I thought that.  In terms of MOT, no headlight = no MOT.  If you car has been taken away and they notice you don't have a headlight couldn't they possibly say "well he doesn't have a headlight bulb so therefore his car is not roadworthy".

 

Does that make sense.  Oh yeah, glad your ok swell Mr Pasty.

Its not gone to be inspected!!!

its gone for the accident damage to be assessed,they will just work out the cost of repairing damage.

It annoys me, why should you have to buy YOUR OWN car back off them if they write it off, you bought the car in the first place and it's yours not the companies :S you should be able to sell parts off it or scrap it or do whatever with it without having to buy it back

Because they own the car once you have accepted there offer.

So you either buy it back off them, and they take the price off the offer price,

or you let them keep the car and have all the offer amount.

Well have had a call from the repair guys to confirm what the alloys were so that they could accurately price up a replacement.

The guy was pretty sure they will write it off, so far they've got to winger, arch liner, front door, rear door, body work to rear 3/4, new alloy, replacement of bent suspension strut, potential lower arm replacement, work to straighten the A pillar, potential replacement of the electrics loom which runs behind the wing as it's been clamped hard by the bent metal and will potentially be severed when they pop it out again.

 

To be honest the car isn't road worthy cos of the massive dent, the bent suspension, and the fact that the passenger door is jammed closed.

The removal of a headlight bulb is the least of my worries

 

As Kev says they're not assessing thew vehicle as a whole just the damaged bits for repair.

I started taking to the guy about "well if you want to accurately price up its value make sure you include the strut brace, PD160 intake, different interior...", and he cut me off and went "nah i'm only concerned with the bits we'd need to repair/replace at the moment - so the alloy and the curpra splitter"

 

It'll be interesting to see what they offer..

They'll go by book value and i'll argue like hell that that's pointless as you can't buy another one for less than £3000 at the moment add in my mods for another £500+ and i want at least £3500 to settle

of course that sounds simple but we'll see