Soldato
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If they write it off, buy it back, you'll make thousands by either selling to a breaker or breaking it yourself.
Just had a near death experience :D
- Thread starter Maximum Triceratops
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Citation needed
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Bit of a better pic of the damage.
Thinking back I thought that just his wing mirror had cauught the door but if you look at the left hand side of my door it looks like the actual car hit hit as the bend in the door skin is too low for the wing mirror :/ I was very lucky indeed to escape any serious injury. At the time of the accident my arse was probably inches away from where the car hit the door .
Thinking back I thought that just his wing mirror had cauught the door but if you look at the left hand side of my door it looks like the actual car hit hit as the bend in the door skin is too low for the wing mirror :/ I was very lucky indeed to escape any serious injury. At the time of the accident my arse was probably inches away from where the car hit the door .
I'm at work so can't see the pics but....
My 54 plate Octavia vRS got hit by a woman in a car park the other week, I'm still not sure how as I wasn't there, but she hit the passenger side of the car so hard that it wrecked both doors and damaged the centre pillar.
The quote for repairing was about £2,200, so they wrote if off.
My 54 plate Octavia vRS got hit by a woman in a car park the other week, I'm still not sure how as I wasn't there, but she hit the passenger side of the car so hard that it wrecked both doors and damaged the centre pillar.
The quote for repairing was about £2,200, so they wrote if off.
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**UPDATE**
So... car ended up getting repaired, you couldn't tell it was damaged once finished so they did the business and I sold it a month or so ago and got myself a 350z.
Insurance company closed it off as a non fault claim and then I presume, pursued the 3rd parties insurance to recover the costs.
This is where it gets messy and any advice would be more than welcome...
I receive a call from my insurer about a month ago saying that the 3rd party are putting in a claim saying it was not their fault, this was right on the 6 month limit when they are able to claim.
So now potentially I am going to get a fault claim and lose my 9 years NCB.
At the time there was a witness who was more than willing to make a statement which would have gone greatly in my favor, there is also very good cctv coverage on the street and at the pub the vehicle was parked outside which I informed the insurance company at the time.
Now with 6 months passing since the accident the witness is not responding at all and the cctv footage is long gone.
After logging a complaint with my insurance company they have admitted that mistakes were made and my claim should have been investigated and never closed off, they have also offered £100 compensation.
This to me falls way short as I am now looking at increased premiums for the next 5 years, they may come looking for the excess on my old policy and it will also affect the 2nd policy on my Wife's car too.
I have already paid £200 extra on my current insurance as I put a fault claim on the quote to avoid any nasty surprises knowing that this was pending when I got my new car.
What would you do next? this could potentially cost me quite a bit of cash over the next 5 years, what would be a satisfactory outcome?
Sorry for the long post and any opinions/advice would be more than welcome
So... car ended up getting repaired, you couldn't tell it was damaged once finished so they did the business and I sold it a month or so ago and got myself a 350z.
Insurance company closed it off as a non fault claim and then I presume, pursued the 3rd parties insurance to recover the costs.
This is where it gets messy and any advice would be more than welcome...
I receive a call from my insurer about a month ago saying that the 3rd party are putting in a claim saying it was not their fault, this was right on the 6 month limit when they are able to claim.
So now potentially I am going to get a fault claim and lose my 9 years NCB.
At the time there was a witness who was more than willing to make a statement which would have gone greatly in my favor, there is also very good cctv coverage on the street and at the pub the vehicle was parked outside which I informed the insurance company at the time.
Now with 6 months passing since the accident the witness is not responding at all and the cctv footage is long gone.
After logging a complaint with my insurance company they have admitted that mistakes were made and my claim should have been investigated and never closed off, they have also offered £100 compensation.
This to me falls way short as I am now looking at increased premiums for the next 5 years, they may come looking for the excess on my old policy and it will also affect the 2nd policy on my Wife's car too.
I have already paid £200 extra on my current insurance as I put a fault claim on the quote to avoid any nasty surprises knowing that this was pending when I got my new car.
What would you do next? this could potentially cost me quite a bit of cash over the next 5 years, what would be a satisfactory outcome?
Sorry for the long post and any opinions/advice would be more than welcome
**UPDATE**
So... car ended up getting repaired, you couldn't tell it was damaged once finished so they did the business and I sold it a month or so ago and got myself a 350z.
Insurance company closed it off as a non fault claim and then I presume, pursued the 3rd parties insurance to recover the costs.
This is where it gets messy and any advice would be more than welcome...
I receive a call from my insurer about a month ago saying that the 3rd party are putting in a claim saying it was not their fault, this was right on the 6 month limit when they are able to claim.
So now potentially I am going to get a fault claim and lose my 9 years NCB.
At the time there was a witness who was more than willing to make a statement which would have gone greatly in my favor, there is also very good cctv coverage on the street and at the pub the vehicle was parked outside which I informed the insurance company at the time.
Now with 6 months passing since the accident the witness is not responding at all and the cctv footage is long gone.
After logging a complaint with my insurance company they have admitted that mistakes were made and my claim should have been investigated and never closed off, they have also offered £100 compensation.
This to me falls way short as I am now looking at increased premiums for the next 5 years, they may come looking for the excess on my old policy and it will also affect the 2nd policy on my Wife's car too.
I have already paid £200 extra on my current insurance as I put a fault claim on the quote to avoid any nasty surprises knowing that this was pending when I got my new car.
What would you do next? this could potentially cost me quite a bit of cash over the next 5 years, what would be a satisfactory outcome?
Sorry for the long post and any opinions/advice would be more than welcome
Tell them to do one? You provided everything and all information possible, if they did not follow up and take copies of the evidence when it was available, then its their problem and not yours.
Soldato
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Agreed. Tell them they closed it off and your business with them on the matter is done. Even so, looking at it again, how could this not go in your favour?
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I wish it were that simple:/ they are saying that I opened the door right as they were passing in which case it would be my fault apparently.
50/50 split all the way without witnesses and cctv.
However - I would seriously complain to your insruance company that they didn't investigate/collate the information properly at the time of the original situation and therefore you should no be made liable for their poor work in this situation.
If you don't get a satisfactory answer - take it up with http://www.financial-ombudsman.org.uk/default.htm
However - I would seriously complain to your insruance company that they didn't investigate/collate the information properly at the time of the original situation and therefore you should no be made liable for their poor work in this situation.
If you don't get a satisfactory answer - take it up with http://www.financial-ombudsman.org.uk/default.htm
Yes escalate the situation with the insurance company beyond the chap on the end of the phone. Do you have twitter? Burn them on that, aswell - I guarantee someone will get back to you quicker.
If your correspondence to date stipulates a non-fault claim and they've now decided to back track then that's their issue, not yours.
Which firm is it, out of curiosity?
If your correspondence to date stipulates a non-fault claim and they've now decided to back track then that's their issue, not yours.
Which firm is it, out of curiosity?
Car was stationary, door was open for all of the approach of the other vehicle, the guy could have killed you by not passing a metre away.
He will be at fault, open and shut case.
No excuses, no get outs, he will be at fault.
Your insurance company are rubbish if they accept any other outcome!
He will be at fault, open and shut case.
No excuses, no get outs, he will be at fault.
Your insurance company are rubbish if they accept any other outcome!
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Zenith insurance, strangely enough my current policy is with them also
I am thinking of informing them that I am to be in no way out of pocket for this, regardless of the outcome of faul/non fault and also to review my current policy with them to remove the at fault claim.Cheers for the replies so far
It not that easy now as it only his word against the other driver story...
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Indeed, of course this would have been avoided had they investigated it at the time and not closed it off, not sure what will happen now. Do they have the authority to mark it as a non fault claim if it ends up being 50/50? Can they make sure my ncb aren't going to be affected?
At a guess someone is going to be in quite a bit of trouble as they could potentially be paying out thousands for the claim due to them nit getting the necessary proof of my non liability.
Will keep the thread updated as and when.
Right, for a start, you were IN the doorway surely (well, behind the door)? Strapping your lad in. You were injured, yes? As it says in the original post, regardless of how minor. Did you claim anything for that? Did you take any pictures or anything?
Regardless, the fact you were behind the door means you couldn't have "just opened it right as the 3rd party passed", as if you were exiting out the rear door. Well, you could have, but then you'd be in the road anyway, which means either way, the third party wasn't giving you enough room, since you were on the road. There is a child seat there, do you have any clear pictures of that from the incident? While a child could have potentially opened the door, there are child locks in place for a reason. Do you have a receipt for the meal still (credit card slip or anything with the time?). That would show you were leaving the area, rather than arriving, so why would you be exiting out of the back door in that case?
Regardless, the fact you were behind the door means you couldn't have "just opened it right as the 3rd party passed", as if you were exiting out the rear door. Well, you could have, but then you'd be in the road anyway, which means either way, the third party wasn't giving you enough room, since you were on the road. There is a child seat there, do you have any clear pictures of that from the incident? While a child could have potentially opened the door, there are child locks in place for a reason. Do you have a receipt for the meal still (credit card slip or anything with the time?). That would show you were leaving the area, rather than arriving, so why would you be exiting out of the back door in that case?