I was in an accident that wasn't my fault. the other guys insurance wants to write off my car and not fix it.
Should i get the pre-accident market value less the scrappage of the insurance?!?! is that all i am entitled to???
2007-02-12 21:45:18 · 7 answers · asked by **SARAH** 3 in Cars & Transportation ➔ Insurance & Registration
They want to write the car off because the car is worth less than the cost of repairing it.
First, have you got a courtesy car out of them? If not, ask for one, If they refuse, keep all your bus,train and tube tickets, get a receipt for any taxi fares. Tell his insurers that you will be claiming all these back and send them a bill every month until they settle the claim.
Don't accept the first offer they make unless they do make a good offer. Get evidence of the value of your car from car adverts, pick out dealer ads as they tend to be more.
Don't forget that as the accident wasn't your fault you shouldn't be out of pocket and insist on this.
2007-02-13 00:35:49 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Usually when you take out insurance the value of your car is added into your policy. The full amount of the car should be returned to you (less any costs) but this could take a few months depending on the company. His insurance company should be providing you with a courtesy car until you have been paid in full. Your insurance group will also have a legal team who you should contact to try and get some compensation for being involved in the accident.
2007-02-12 21:54:36 · answer #2 · answered by Smarty 6 · 1⤊ 1⤋
You should get the replacement value of the car (i.e. the full pre-accident market value). Look for adverts in the local paper, in Autotrader, etc. for cars similar to yours, and keep these as proof of the market value, so you can argue if they try to offer you less.
The insurance company will get to keep the crashed car, unless you come to a buy-back arrangement (not possible if the car is deemed too badly damaged to be safely repaired).
2007-02-12 21:54:23 · answer #3 · answered by Neil 7 · 0⤊ 0⤋
Don't sign off. They may offer to purchase a like make, model of same year
-- don't take just anything if the other driver was totally wrong and caused
the accident. Do as others have suggested and also look for cars in the same price range. If you find one you'd take tell them [go a little high & be prepared to pay the difference, but demand they pay $X.yz amount]. You ARE responsible for your deductable! Your insurance company won't go to court for you etc -- they try to do the same on claims, but you can get EXCELLENT ADVICE from them [also the local agent you deal with]. Hurry.
AND DON'T CASH ANY CHECKS THEY SEND YOU until you're happy.
2007-02-12 22:14:43 · answer #4 · answered by Anonymous · 0⤊ 1⤋
If not your fault -you should be entitled to the pre-accident market value of your car. Possibly less the excess as you wil have to make a claim. your NCB should not be affected as it wasn't your fault
2007-02-12 21:58:58 · answer #5 · answered by Anonymous · 0⤊ 0⤋
if you can prove that it wasnt your fault then take it further.your insurance company will send someone out to look at your car and the position of the scratches etc. they can often tell by these marks whos fault it was. if they deem you innocent then they will fight the case for you which will get you ample compensation for the car and any injuries sustained.
2007-02-12 21:55:19 · answer #6 · answered by Gary F 3 · 0⤊ 0⤋
I put this in the source box. It has a variety of insurance information including car insurance.
2007-02-12 21:57:30 · answer #7 · answered by Anonymous · 0⤊ 1⤋