Insurance companies are to blame too,true
helphire are claiming £1400 off my insurance co for a couple of scratches on a bumper
it was a low speed impact, i just cracked a numberplate and replaced it for the grand total of £10.
The however, seemed to find the need for £700s worth of repair plus £700s worth of car hire. Quite how you can claim £700 for a scratch to a rear bumper i dont know. I mean a whole new one resprayed is under £500 inc. labour.
Needless to say my insurance co are still refusing to pay and havent settled yet. Rather them than me.
The cheeky gits called me up saying that the other party has admitted liability, fair enough.
First off they said they can send someone round the next day to take the car to one of their "approved bodyshops" they will warrant the repair for three years, I told them to take a hike.
They then told me to take time out of my day to go to the BMW dealer and get a quote with their claim ref # at the top of it. After that, fax it to an 0870 number, they will then authorise the claim, after authorisation, I will then have to call enterprise car rental to arrange a car, for which I will be liable for 1k excess or something daft like that with the option of paying a waiver (heh you can shove that!) which happens to be non reclaimable (WTF?).
So, it means I have to drive in a busted car for however long it takes to get a quote and authorisation.
All I did here was call Europa, they organised the car and deal with the insurers, all I had to do was arrange insurance for the car as I need the car with specific insurance terms.
They will send someone to my office to look at the car and estimate the damage and deal with all the paperwork regarding sending the car to my local BMW dealer. All I need to do is carry on with whatever I do, why could the insurance company not make it easy for me?
