Write off's

[shaughey]

Wront of my new car a few days ago and it wasnt my fault im just wondering does anyone know how long it usually takes for me to get the money from the fellas insurance company cos i need a new motor.

 

[Marc]

depends on how quickly he admits liability.. is he definately at fault and will not contest it?

 

[B A Baracus]

Are you fully comp?

 

[shaughey]

No im 3rd party fire and theft and i expect he might contest it but it was defo his fault and i have 2 witnesses on my side so i cant see them listening to him. whats my insurance type got to do with it B A shouldnt make a diff when its not my fault will it???

 

[Sir Sax]

If he's going to contest it, expect to be in it for the long haul. Doubt it be this side of christmas OR next christmas, if thats what your thinking.

Did the police come out and make a report?
Did you admit any liabilty at the scene?

 

[six_impressive_hours]

If you are fully comp your insurance will get you a hire car, and fix your own up front.

They will then claim the costs back of the other guys insurance in due course.

If you are third party only though, you are screwed

jamesy

 

[B A Baracus]

^^ what he said.

 

[big cyril]

You'll get the money eventually if it is decided the other guy was at fault, just that you'll not get the money until the the thing is decided where as fully comp will payout promptly and fight about who's at fault at their leisure.
Hopefully the other guy will not contest it.

 

[shaughey]

fs i though they would pay out for the car quick enough yea i got took away in an ambulance so the cops were on the scene and got all the witnesses and stuff so theres not much he can say about it

 

[shaughey]

i only got the car a few weeks ago and when i changed the insurance over i was gona go fully comp but i only half 4 months left on the pollicy and they were gonna change me the same as a full year so i said no ill wait. wish i had have now

 

[pablo]

can take a couple of years unfortunately.

 

[shaughey]

fs just lucky i hadnt sold the old car yet looks like ill be drivin that again for a while eeerrrr

 

[Marc]

unlucky, but if he is gonna contest it you will be in for the long fight with insurance companies

 

[shaughey]

gutted i only got the car a few weeks ago was plannin on doin it up a bit but its sittin in bits in my garden haha unlucky!!

 

[B A Baracus]

Well at least you are ok to tell the tale. Make sure you make a note of everything while it is fresh in your head

 

[svensktoppen]

Just wondering, what happens to NCB if it is someone else's fault? Do you still loose your NCB?

 

[Rob]

No you don't lose your NCB if they are at fault and you don't claim off your own insurance...

I have heard Quinn Direct pay out very quickly so if he's with them you might be in with a slightly better chance of getting your money soon.

 

[ARN]

man that nasty. good luck with it all tho.

 

[surprising_skoda]

i had a crash a year ago, i contested it at the scene but was tricked into admitting liability with the cops, anyway i had it paid within 3 weeks. its injury claims that will take longer than the property claim, as soon as there is liability it should get paid??

 

[pablo]

Just wondering, what happens to NCB if it is someone else's fault? Do you still loose your NCB?

you lose it until the matter is resolved afaik. mate was in a crash that took ages to get sorted (other party at fault) and when renewal came he had to go with 0NCB or maybe 1YR.

 

[RComms]

you lose it until the matter is resolved afaik. mate was in a crash that took ages to get sorted (other party at fault) and when renewal came he had to go with 0NCB or maybe 1YR.

would that not only be in an instance where you have fully comp insurance, so your own insurance company will be paying out in the short term. surely if your third party... and the third partys company is paying out, you don't need to go near your own insurance company?

 

[pablo]

hmmm no idea on that one mate. I think where there is doubt they will shaft you.