During the high winds last week some ridge tiles were blown of a local business premises on to my car. It has caused a lot of damage and so I rang my car insurer to report the incident, I thought they would deal with the matter as I have legal protection on my policy. I've just heard from them and they are not willing to help. What do I do now? I would be very grateful for any constructive advice.
2007-01-22 00:33:00 · 8 answers · asked by Ranatalot 1 in Business & Finance ➔ Insurance
They said that because it wasn't traffic related damage that they were closing their file.
2007-01-22 00:44:15 · update #1
If you have fully comprehensive insurance then your car insurance company should sort it out. If not then you should get in touch with the local business as they, or their insurance, are liable. If you don't get any satisfaction the see your local Citizens Advice Bureau. They can help and their help is free.
Re your additional details: My car was parked on the street overnight and some drunken moron decided to do the riverdance on the bonnet. Needed a new bonnet. My insurance company sorted it and that wasn't a traffic related incident.
2007-01-22 00:43:00 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I would recommend that you contact the owner of the building whose tiles damaged your car. Explain to them the damage incurred, and ask them for their insurance carrier information. Make sure you have pictures of the damage, tiles included that ended up in the area of the vehicle.
2007-01-22 12:07:31 · answer #2 · answered by Insurance Biz CT 5 · 0⤊ 0⤋
You need to approach the person who is responsible for the building the tiles fell off as I believe their insurance should cover it. If that doesnt work seek advice from a solicitor or citizens advice. Good luck!
2007-01-22 08:42:29 · answer #3 · answered by richardwales79 3 · 1⤊ 0⤋
windblown objects hitting your car is a COMPREHENSIVE loss. Do you have Comprehensive coverage on your car? Wind damage? I"m guessing not.
Which means, you didn't buy that kind of coverage, and you'll have to pay for the damage out of pocket.
Of course, you CAN add that coverage to your policy now, so that the NEXT time something like this happens, you've got coverage.
2007-01-22 09:34:54 · answer #4 · answered by Anonymous 7 · 1⤊ 0⤋
What was the reason they couldnt help?
Have you spoken to the business as their insurance may pay for the damage to your car
2007-01-22 08:37:10 · answer #5 · answered by OriginalBubble 6 · 0⤊ 0⤋
You can get 30 mins free advice from a Solicitor or phone Citizens Advice.
2007-01-22 08:47:29 · answer #6 · answered by ? 4 · 0⤊ 0⤋
Is there a natural phenomenon during the time of accident? If there is, you have the right to make a claim. It will be covered under AOG (Acts of God) coverage. it can't be covered under Own damage 'coz this type of cover is applicable if you have accidents if it is your own fault or damages done due to vandalism.
2007-01-22 08:40:57 · answer #7 · answered by john a 2 · 1⤊ 0⤋
Your claim is against the building owner's insurance policy.
2007-01-22 10:03:23 · answer #8 · answered by waggy_33 6 · 0⤊ 0⤋