9 hours ago, J.R. said:

I thought your old Superb was involved in a collision with another vehicle, was it written off by a car wash machine?

No, the car wash ripped out and mangled one of the gutter infill strips along the roof. On the old models there was one on each side running from the windscreen to the rear window. 

People have a tongue and can ask when handing a car over questions. If dumb they can write their question and have the person sign the answer.

 

It is usual to hand your keys over and be asked to sign something.  If you do not read what you are signing and do not know the terms / conditions of allowing them to work on your car that is just not 'simply clever'.

If the condition of your car at hand over and how you get it back matters then have the person that gets the keys look over the car, body and wheels and have them sign the Condition report, as they should be offering to do, not being asked to. 

 

This is Dealership,s, National / International companies etc. 

If you have a mates rate, nudge nudge a nod as good as a wink to a blind HMRC person then who knows, cash in had, no invoice, no receipt. 

 

 

On 13/04/2024 at 22:57, Graham Butcher said:

No you have it wrong, Aviva are Halfords insurer and they paid the owner what they valued the car at.

 

You're right I mis-read part of it but...

 

' It turned out that his insurer had paid out two claims made by the owners of cars his Alfa Romeo had collided with before the ultimate crash '

 

That's what I mean by I cannot understand why his insurers paid out.

 

In the above case, I would have thought the 3rd parties insurance would have paid out to their clients and then when it's finally determined whoi caused they accident, it's the iliable driver's insurance who refund the 3rd parties insurers. - i.e. it would be Halfords (Aviva ) who pay.  I can't understand why the Alfa drivers insurance has paid out two claims. 

Edited 15 April, 20241 yr by kodiaqsportline

50 minutes ago, kodiaqsportline said:

 

You're right I mis-read part of it but...

 

' It turned out that his insurer had paid out two claims made by the owners of cars his Alfa Romeo had collided with before the ultimate crash '

 

That's what I mean by I cannot understand why his insurers paid out.

 

In the above case, I would have thought the 3rd parties insurance would have paid out to their clients and then when it's finally determined whoi caused they accident, it's the iliable driver's insurance who refund the 3rd parties insurers. - i.e. it would be Halfords (Aviva ) who pay.  I can't understand why the Alfa drivers insurance has paid out two claims. 

Exactly, especially as it appears that he was totally unaware of the claims having been made, you'd have expected the insurance company to made contact with him and got his version of events?

 

For the same reason that if your vehicle is stolen by travellers while you are in bed and has an accident your insurers will pay out the 3rd party even though you dont have "any driver" cover.

 

My Taxi driver pal got T boned by a stolen pick up truck being chased by the Police after the occupants had stolen the cashbox from a railway station ticket machine, he suffered major trauma, lost his vehicle and livelyhood and could not walk for 18 months, he had the unenviable task of having to claim for his losses and personal injury from the innocent landscape gardener who was asleep in bed at the time, who did not get paid out for his Ute also lost his livelyhood and whose insurance rocketed afterwards.

 

The passenger of the stolen vehicle was killed in the crash, they had run a red light and T boned my friend crossing on green, later that night relatives of the deceased stormed the hospital ward and tried to attack my friend while he was in a coma.

Just now, Graham Butcher said:

you'd have expected the insurance company to made contact with him and got his version of events?

 

He wasn't there and therefore has no version of events.

1 hour ago, J.R. said:

For the same reason that if your vehicle is stolen by travellers while you are in bed and has an accident your insurers will pay out the 3rd party even though you dont have "any driver" cover.

 

My Taxi driver pal got T boned by a stolen pick up truck being chased by the Police after the occupants had stolen the cashbox from a railway station ticket machine, he suffered major trauma, lost his vehicle and livelyhood and could not walk for 18 months, he had the unenviable task of having to claim for his losses and personal injury from the innocent landscape gardener who was asleep in bed at the time, who did not get paid out for his Ute also lost his livelyhood and whose insurance rocketed afterwards.

 

The passenger of the stolen vehicle was killed in the crash, they had run a red light and T boned my friend crossing on green, later that night relatives of the deceased stormed the hospital ward and tried to attack my friend while he was in a coma.

 

He wasn't there and therefore has no version of events.

Oh thats nasty then, I never realised that your insurance would be liable under those circumstances. I thought the insurance would only be valid, if the car was driverless, i.e. the handbrake fails and it rolls into another car etc. Under the conditions of it being stolen had never crossed my mind. What about if you had declared the car as being off road and being used, therefore no need to insure the car, so what if its gets stolen then and is involved in an accident?

 

As to the owner not being there in the Halford's event and his insurer paid out 2 claims, surely there must be a mechanism in the system whereby those claims could be removed and transferred to Halford's insurer, in this case Aviva so the owner is not penalised for having his car serviced and the mechanics crashing it?

Edited 15 April, 20241 yr by Graham Butcher

Please dont ask me questions that I cannot possibly have the knowledge to answer.

2 hours ago, J.R. said:

Please dont ask me questions that I cannot possibly have the knowledge to answer.

Geez, I'm not, it was an open question to anyone who might know the answer 😉

That is not how the first paragraph is written, the second question yes, it was probably be an open question, my use of the plural was for the 2 questions you addressed to me.

 

You (that is yourself and not an open statement) even referred to me using "you" and not "one"

TBH even if someone has replied using a quote unless they have specifically @ me then I work on the presumption that any question is "open to the audience"

But maybe that's just an @ me thing ;o)

1 hour ago, J.R. said:

That is not how the first paragraph is written, the second question yes, it was probably be an open question, my use of the plural was for the 2 questions you addressed to me.

 

You (that is yourself and not an open statement) even referred to me using "you" and not "one"

@J.R.The standard way of addressing someone directly on a forum like this is as I have done in this reply with @ and the username because it is an open forum rather than a direct message or an email thus anybody could post a message between your post and my post making keeping track of the conversation flow rather difficult if not impossible. That does not however mean that others cannot chip and make a point, even if it's clearly addressed, like in this post, because it is in the open where all members can see it, anyone is free to chip whenever they feel like it. This is how I believe forums work, is it not?

1 hour ago, Graham Butcher said:

@J.R.The standard way of addressing someone directly on a forum like this is as I have done in this reply with @ and the username because it is an open forum rather than a direct message or an email thus anybody could post a message between your post and my post making keeping track of the conversation flow rather difficult if not impossible. That does not however mean that others cannot chip and make a point, even if it's clearly addressed, like in this post, because it is in the open where all members can see it, anyone is free to chip whenever they feel like it. This is how I believe forums work, is it not?

I'll also use @$usertag to credit or reference someone (second person) when actually addressing a third person.

On 15/04/2024 at 11:46, Graham Butcher said:

Oh thats nasty then, I never realised that your insurance would be liable under those circumstances. I thought the insurance would only be valid, if the car was driverless, i.e. the handbrake fails and it rolls into another car etc. Under the conditions of it being stolen had never crossed my mind. What about if you had declared the car as being off road and being used, therefore no need to insure the car, so what if its gets stolen then and is involved in an accident?

 

As to the owner not being there in the Halford's event and his insurer paid out 2 claims, surely there must be a mechanism in the system whereby those claims could be removed and transferred to Halford's insurer, in this case Aviva so the owner is not penalised for having his car serviced and the mechanics crashing it?

Maybe @DAN@ADRIAN FLUX can shed some light on this?