Going through the "other persons" insurance for a courtesy car?

Gimpymoo

Gimpymoo

Gimpymoo

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A drunk driver smashed into my car while it was parked.

Been informed it is a complete loss.

Can I go through the other persons insurance for a courtesy car until the claim is settled or is it better to go through my own insurance and whichever management firm they assign with £100 a day fees passed onto other insurer.
 
Gimpymoo said:
A drunk driver smashed into my car while it was parked.

Been informed it is a complete loss.

Can I go through the other persons insurance for a courtesy car until the claim is settled or is it better to go through my own insurance and whichever management firm they assign with £100 a day fees passed onto other insurer.
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I had the same thing happen to me a couple of years ago, although it wasnt a write off. I went through my insurance and because it was a drunk driver and the police backed it up as they arrested her, my insurance company waived the excess and got me a courtesy car out the next day and it was of a relative level (my car was a E43 and they got me a VW Toerag) and they recovered all costs from the drunk drivers insurance

Details of the thread here https://forums.overclockers.co.uk/threads/car-hit-by-drunk-driver.18874497/#post-33255675
 
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Gimpymoo said:
A drunk driver smashed into my car while it was parked.

Been informed it is a complete loss.

Can I go through the other persons insurance for a courtesy car until the claim is settled or is it better to go through my own insurance and whichever management firm they assign with £100 a day fees passed onto other insurer.
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You can indeed go through the third parties insurance, I've done this once before. I went entirely through the third party insurance for repairs, courtesy car etc as it was a clear third-party fault. My own insurers had zero involvement besides informing them of the claim..

They're generally a bit more lax because they'll be paying £100/week for the car hire instead of £100/day. The obvious added bonus is that it'll get sorted much quicker if you accept their valuations etc, no need to throw your insurers in as a middleman unless you really have to.
 
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Just rang the 3rd parties insurer, they said they would like to but they have not been able to speak with their client as yet, refused to talk when they last rang him. They said once confirmed is being prosecuted they will be going after him for all monies owed :eek: As drink driving, his policy is downgraded to third party at that point but they cannot do anything at present as client not talking to them. Once he confirms is being prosecuted, is a different matter.

Will just have to go through my insurer.

The drunk driver will be regretting this for a long time, easily £15,000-£20,000 costs coming his way, maybe more.
 
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I think it's probably a good idea to go through the third party. I've heard horror stories before of insurance companies charging the third party insurer large sums for hire cars and them refusing to pay out, leaving you with the bill.
 
Skilid said:
I think it's probably a good idea to go through the third party. I've heard horror stories before of insurance companies charging the third party insurer large sums for hire cars and them refusing to pay out, leaving you with the bill.
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Yeah, do not sign up for a credit hire car!
 
Skilid said:
I think it's probably a good idea to go through the third party. I've heard horror stories before of insurance companies charging the third party insurer large sums for hire cars and them refusing to pay out, leaving you with the bill.
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XeNoN89 said:
Yeah, do not sign up for a credit hire car!
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The exact reason why I wanted to go through the third party, however, with the idiot not discussing with his own insurance/not wanting to make an admission incase of the pending prosecution, his insurance say their hands are tied until he has spoken to them.

Spoke with the police, they are dotting the i's and crossing the t's to get their ducks in a row to take it to court.

What has annoyed me is I have insurance due on another vehicle in January and am sure my premiums will be higher because of this "claim" which will not be closed by then.
 
As I said, I got a v6 VW Touareg and I had it for 11 weeks. When I signed for the car when they dropped the courtesy car off, the cost was just over £1800 for the week, I’m sure the cost would have gone down per week for 11 weeks but all the same it would have added up to a lot of money and was on top of the £16k it cost to fix my car. My insurance company had no problem recovering the cost
 
Gimpymoo said:
What has annoyed me is I have insurance due on another vehicle in January and am sure my premiums will be higher because of this "claim" which will not be closed by then.
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IIRC when this happened to me, I actually got a refund of the extra I'd paid after the claim was finally settled in my favour. The new policy was with the same company as the claim was with though, not sure if that makes a difference.
 
Gimpymoo said:
What has annoyed me is I have insurance due on another vehicle in January and am sure my premiums will be higher because of this "claim" which will not be closed by then.
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Unfortunately you are correct. I'm pretty sure it's generally treated as a fault claim until settled otherwise.
 
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