Insurance advice for a friend

[GravyMonster]

Hi all,

A friend of mine had a parking ding in our work car park - completely his own fault - he reversed into a parked Yaris.

There was very little visible damage to the Yaris - the bumper was only scratched - although I realise damage can be done under the skin. They exchanged details and both agreed that the owner of the Yaris would get a quote for the work to be fixed and my friend would pay for it.

A few weeks after he gets and email from the owner of the Yaris stating that the work would cost £600. There was no list of what parts would need replacing or what work was to be done. I suggested he get a copy of the quote and get his own one done to compare.

Another few emails and a couple of weeks later and he's still not managed to get a list of the work to be done, however said owner of Yaris has now got her insurance company involved, and has also now sold old Yaris and bought a brand new 10 Yaris.

Where does my friend stand on getting his own quote for the work to be completed?

Obviously it's his fault and he knows he's willing to pay for the damage, just £600 seems very steep.

 

[Sin_Chase]

If she sold the Yaris it's no longer insured by her.

That's the end of it surely?

 

[Burnsy2023]

If she sold the Yaris it's no longer insured by her.

That's the end of it surely?

That's what I thought.

 

[Cuchulain]

If she sold the Yaris it's no longer insured by her.

That's the end of it surely?

Not if they put a claim in while they held insurance on the old vehicle.

 

[Burnsy2023]

Not if they put a claim in while they held insurance on the old vehicle.

How can you agree if the the claim is valid and proportionate if you can't examine the vehicle?

 

[shauncr91]

£600 for scratched bumper on a Yaris, sounds like he's trying to extort as much as he can.

 

[matthab]

So hang on shes sold it?

Wouldnt that mean you cant do anything about it as theres nothing to repair and if she was that botherd then she would have got it repaired then sold it? Im not sure but sounds like to me you shouldnt need to be handing over a dime.

Tell your friend to email her back and say you have sold it case closed.

 

[Cuchulain]

How can you agree if the the claim is valid and proportionate if you can't examine the vehicle?

Without knowing how far the third parties insurance company have progressed the claim I couldn't possibly comment, op needs to supply more info.

 

[Fr0dders]

£600 for scratched bumper on a Yaris, sounds like he's trying to extort as much as he can.

exactly

theres no way you can put in a claim to repair a car she no longer has.

The insurance company pays the bodyshop, not her. If she thinks shes going to get £600 in her back pocket then she really misunderstands how insurance companies work.

 

[Cuchulain]

exactly

theres no way you can put in a claim to repair a car she no longer has.

The insurance company pays the bodyshop, not her. If she thinks shes going to get £600 in her back pocket then she really misunderstands how insurance companies work.

Clearly you don't know how insurance companies work. When someone reversed into my car, my insurance company told me to take it and get a written quote, this was sent off to the third parties insurance company and a cheque in my name was sent out the same week.

 

[Peerzy]

Although the person hasn't done themselves any favours by selling the car and getting a uber stupid quote she was still insured on that car at the time of the incident and thus I would have thought still try and claim.

Getting the right value for the damage and agreeing the fees etc are going to be much harder now for her and I'd stick to my guns with a 'Prove it' motion.

 

[Cuchulain]

Although the person hasn't done themselves any favours by selling the car and getting a uber stupid quote she was still insured on that car at the time of the incident and thus I would have thought still try and claim.

Getting the right value for the damage and agreeing the fees etc are going to be much harder now for her and I'd stick to my guns with a 'Prove it' motion.

She puts a claim in with her insurance company, her insurance company tells her to go get a quote, she does, she provides said quote to her own insurance company who will probably appoint a solicitor to deal with it, solicitor puts in claim with op's 'friends' insurance company, supplies quote, op's friends insurance company pays out.

Job done.

 

[GravyMonster]

How can you agree if the the claim is valid and proportionate if you can't examine the vehicle?

Yup, exactly the problem.

£600 for scratched bumper on a Yaris, sounds like he's trying to extort as much as he can.

Yeah it sounds like she said to the garage it for an insurance quote and they saw pound signs.

theres no way you can put in a claim to repair a car she no longer has.

The insurance company pays the bodyshop, not her. If she thinks shes going to get £600 in her back pocket then she really misunderstands how insurance companies work.

Do you have experience of this? It's possible she still has the same insurance policy on the new car and has just had it transferred so i assume in that case the claim on the old car would still be valid?

Do you think it's best for my friend to get his insurance company involved now?

 

[SeatIbiza]

Would they not have to justrify their loss. I.E. they repaired the old vehicle. If it's sold then it's no longer their insured risk so unless they did the work prior to sale then I can't see what the claim could be...?

Awaits whiplash claim!

 

[Cuchulain]

Would they not have to justrify their loss. I.E. they repaired the old vehicle. If it's sold then it's no longer their insured risk so unless they did the work prior to sale then I can't see what the claim could be...?

Awaits whiplash claim!

No, you don't have to justify the loss and you're under no legal obligation to have the vehicle repaired

 

[Fr0dders]

Do you think it's best for my friend to get his insurance company involved now?

this should have happened automatically

thats why you have insurance, so your not liable for third party costs.

If she submits a quote for repair on a car she no longer owns, and instead pockets the cash, thats going to be insurance fraud, which im sure her insurance co is going to be very interested in.

Assuming she has transferred her policy, what does her insurance company say ? assuming you have her insurance details, give them a ring and ask the insurance co if they are aware that a claim is being submitted for a vehicle she no longer owns

 

[SeatIbiza]

If she submits a quote for repair on a car she no longer owns, and instead pockets the cash, thats going to be insurance fraud, which im sure her insurance co is going to be very interested in.

Or could she argue she lost out to the tune of £600 on selling it because of the damage?

 

[GravyMonster]

Thanks for the help guys. Have advised my friend to call his insurance company and give them all the details and make them aware that the affected car has been sold. I'll post back when I get some info.

 

[Fr0dders]

I wouldnt have thought so

as already said, best bit is to ring the insurance co that she involved and ask them if they are aware. If they say yes, and list of some reasons why you still have to pay then go check if this is correct with his own insurance company

if they turn round and say no ... then you've got a result probably.

 

[4T5]

however said owner of Yaris has now got her insurance company involved, and has also now sold old Yaris and bought a brand new 10 Yaris.

.

If she sold the Yaris it's no longer insured by her.

That's the end of it surely?

A clear oppurtunity to phone the woman & say Lol Eggface.