My Turn: Car Crash

My 2 penny-worth.

It's not lie you have collided corner-to-corner (ie you front left corner and his front right)which might be a bit more 50/50 (claim-wise) .

He has quite obviously driven not only into the side of your van but towards the rear of it. This shows that you were directly infront of him.

Not only is he at fault but as he was obviously not looking where he was going, you could contact the police and he can be done for driving without due care and attention.
 
I work in the industry so maybe i can help a bit.

Liability looks straightforward as people have mentioned already, an independent witness willing to give a statement and location of damage supports your version of events. Wont be an issue there in my opinion.

Regarding the vehicle being a write off/total loss, it may depend on your policy - sometimes insurers will write it off if the cost of repairs is over a certain % of the value, mostly though its pretty standard, if repairs cost more than vehicle value its a write off, if not it will be repaired. So check your policy book if there is a % mentioned, but generally there isnt.
 
sorry to hear about the acicident, I hope it gets resolved quickly. I am still awaiting settlement of my accident from december!!
 
Ste59w said:
Regarding the vehicle being a write off/total loss, it may depend on your policy - sometimes insurers will write it off if the cost of repairs is over a certain % of the value, mostly though its pretty standard, if repairs cost more than vehicle value its a write off, if not it will be repaired. So check your policy book if there is a % mentioned, but generally there isnt.
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Would it depend on the other parties policy as that's who will be paying for the repair.
 
Directline wrote off our car because the repairs were more than 60% of the cars value, which I always though was a low percentage to cut off at but hay ho.
 
As per my text message Chris, I can't see what your own insurers criteria will have to do with anything if you're pursuing a claim directly with the third parties insurance through an accident management company. Your insurance won't be involved at all.
 
Can someone else's insurance company write off your car? Is the criteria different if it was a fault claim with your own company? Seems pretty stupid if someone else's company decided to write off a reasonable repair because of their policy.
 
Phoned the body shop earlier and the assessor hasn't looked at the van yet and unlikely to do so until tomorrow. I can see how hire car/van charges can mount up in these situations.
 
I am waiting on the assesor to look at my car too.
The initial quote I got from a local cheap back street garage was a lot, so I think its more of a formality than anything else.
Got to chase them up this afternoon. I figure the more I phone, the more likely it is to happen promptly!
 
Are you in a hire car malt? How long have you been waiting now?

Am I right in thinking the body shop look at the damage and put their quote into the assessor who then verifies that the proposed work is required?

What is the actual role of the assessor?

EDIT - Just re-read your thread. It happened this time last week and I expect you are still driving your car with that damage?
 
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Tesla said:
Are you in a hire car malt? How long have you been waiting now?

Am I right in thinking the body shop look at the damage and put their quote into the assessor who then verifies that the proposed work is required?

What is the actual role of the assessor?

EDIT - Just re-read your thread. It happened this time last week and I expect you are still driving your car with that damage?
Click to expand...

I am in a hire car. They took my car away direct to their "salvage yard" for an assessor to look at. (on Tuesday)
I had an independant quote done @ 1355, which they decided meant they should skip taking it to their approved garage for an estimate.

Need to give them a ring at about 2pm today to discuss options.

I think (dont know for sure) the assesor is just a numbers man (with car repair knowledge) who looks at the figures quoted, and the damage to make sure they tally up. Then he looks at the market value of the car, and decides if it is worth going for a repair, or write off.
 
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