he is understandably devastated right now and to add to problems, he already has an ongoing incident which happened recently between him and another vehicle. the police and his insurance have been told and he is waiting to hear back from his ins company. does anybody have any idea what will happen now?
2006-11-06 23:31:10 · 10 answers · asked by Carly D 1 in Cars & Transportation ➔ Insurance & Registration
Well, his vehicle is a total loss, so if he has comprehensive coverage then his insurance company will work with him on that. If they know that he had unrepaired damage to his car from this other incident then they will probably deduct that from the estimate, but it won't probably impact it that much. If he did not get paid by the other insurance company he probably won't now that the car is destroyed. He's essentially not entitled to payment for that accident damage since the vehicle is a total and he'll be paid for it under that claim.
2006-11-07 12:10:02 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
There is a potential problem here. You say that there is an ongoing "incident" between him and another person. Was this an accident? If so, what damage did it cause?
The reason I ask is that it may make the difference between him getting paid out for the theft or not.
Here's why...if the first accident caused enough damage for the vehicle to have been "written off", then that vehicle has no value to the insurer and hence they will only pay out for the "salvage value" of the vehicle in the theft claim. As it's a burn out, this value is nil.
Has he got comprehensive cover? If he has, he's OK because he can claim for the value of the vehicle on the first claim off his own policy. If he hasn't got comprehensive, and it's found to be his fault, he's stuffed. Because he can't claim for the damage to his car on his own policy (not comprehensive) and he can't claim off the other guy's insurance.
What were the circumstances of the first accident?
2006-11-08 05:29:18 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Better hope his insurance dont find a way of wriggling out of paying, otherwise wait for a cheque for a small fraction of the vehicles value to drop through the letter box and if he did not have a protected no claims start saving for new insurance, some companies will cancel the insurance when the insured car is written off others will let it continue on a fresh vehicle.
2006-11-06 23:37:49 · answer #3 · answered by "Call me Dave" 5 · 0⤊ 0⤋
He will be held liable for the first incident between "him and another vehicle" if it is found that he is "at fault".
If the other driver is at fault then they will be held liable.
Then the insurance should pay the policy for the "vehicle worth". If the fire was indeed a crime perpetrated by an unknown.
Sounds like your brother should "slow down"
2006-11-06 23:39:04 · answer #4 · answered by Anonymous · 0⤊ 0⤋
they should pay out for the fire and theft but be warned the police are going to ask for a tow company to remove it from where it is he will then be charged for the towing and subsequent storage fees, sorry for his loss, my father was broken into last Christmas whilst he was having a operation, the cheeky Lil' git then loaded everything into dad's car and drove off with about £4000 worth of computer,dvd's,tv's etc, his car was found burnt out the police then had it towed and stored and then the garage charged him for the towing and storing
2006-11-06 23:46:59 · answer #5 · answered by zerocool 3 · 0⤊ 0⤋
they WILL pay out on the burnt out vehicle - they will offer him a figure at first that is lower than the amount the car is worth - they try not to have to pay out the full amount! the best thing for your brother to do is go onto the auto trader website and any websites similar to find comparables for his car for the best price he can so that he can justify refusing the first offer they give him - i think they give you up to 3 offers. get him to print out the ones that are the same as his, ie same year engine size, mileage etc so that when he does refuse and they ask him for comparables he can send them to them and then they will come back with an offer nearer to what the car is worth!! trust me it is worth spending the time to do it, we ended up getting 2k on top of what their first offer was in the end, but there was a LOT of time spent searching for cars which drives you completly insane but its worth it in the end!
tell your brother good luck!
2006-11-06 23:46:20 · answer #6 · answered by Anonymous · 0⤊ 0⤋
A reputable insurance company will settle the claim
within couple of months.
2006-11-06 23:42:41 · answer #7 · answered by nomad 4 · 0⤊ 0⤋
Depends on the type of coverage he had. Some policies only cover the other car in an accident. Hopefully he had full coverage. If not, he is probably out of luck.
2006-11-07 01:55:50 · answer #8 · answered by vern47452 2 · 0⤊ 0⤋
He should have bought that lucky heather from that Gypsie
2006-11-06 23:36:31 · answer #9 · answered by Anonymous · 0⤊ 0⤋
He should move to a better place.
2006-11-06 23:35:38 · answer #10 · answered by Anonymous · 0⤊ 0⤋