Rouxenator
Dank meme lord
I still feel the taxi should pay for all of this.
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Question of the Day: How impressed have you been with the 2026 Amazon Prime Day deals?
Car likely written off
- Thread starter ScottulusMaximus
- Start date
ScottulusMaximus
Honorary Master
This is why you have insurance, soooooo not my problem they can argue all they want. Fun thing is I have the same insurance as the lady who hit me...
Legally the lady who hit me is entirely at fault, you should be prepared to stop at any point on the road, if you can't stop soon enough either you were following too close or you weren't paying attention.
But again that's the insurer's problem, I just want my ****ing money!!!!!
From my understanding, it does, as you didn't keep enough distance from the vehicle in front of you.
(ps. I've been through this, as the car at the back - I went into a guy, he went into the guy in front of him, I was only responsible for the guy in front of me)
Probably a reason they're trying to save as much as possible, no one to claim from.
ScottulusMaximus
Honorary Master
I am so tired of this fight! No idea if they're doing it on purpose to wear me down so I accept whatever the next ****ty offer they bring to the table or not but I'm seriously close to saying, "**** it just give me whatever."
ToxicBunny
Oi! Leave me out of this...
That is precisely what they are hoping for actually.
ScottulusMaximus
Honorary Master
I don't think there's any malice involved. I personally think they really just don't know what they're doing because it seems no one has ever queried a pay-out amount before, the claims department had no idea what to do(simply said that's the value on the system and that's that) and didn't even inform me about Internal Disputes, Internal Disputes seems not to have ever heard of different trim levels or optional extras and are probably going to get another shock when I refuse whatever number M&M throws out at them in the end because I want a replacement value.
But what really pisses me off is the missed deadlines and the fact nothing gets done until you start pestering. They give you a time when it will be solved by(confirmed 3 times verbally and in writing), fire off a bunch of emails and then do nothing, when their deadline expires they then get put out when you start shouting and only then start chasing up.
It's ****ing infuriating.
1441568916
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Taxi won't pay... untraceable address, probably fake ID too.
Pitbull
Verboten
I honestly think they just entertaining you for the sake of it.
If it's not specified, it's not covered simple as that.
I can't see you getting more than M&M unless you specified extras. The M&M price is an industry standard and even the Ombudsman will agree with them. Good luck though
ScottulusMaximus
Honorary Master
I don't think they are, I specified in the phone call about the trim level and extras etc I just didn't know the exact name of my model and they have it registered wrong apparently. I'm 100% sure I won't get as much as I asked for but it's now been 3 weeks since the accident and they still haven't even given me a second offer after 3 of their own deadlines.
Hemi300c
Honorary Master
The book itself has increased values for "extras" and low mileage, so there isn't a standard in the book either.
ScottulusMaximus
Honorary Master
No done through a broker, but once you get to the claim stage you start dealing with a different company that the insurer has appointed to handle claims.
I was going to wait until my pay-out to be safe but cancelled it today to miss being locked into the billing run, have been assured it won't affect my claim. I also get a refund because the Nov premium came off about 15min after the accident.
Pitbull
Verboten
No, the parts you're talking about comes into play when you actually trade the vehicle.
When you insure a vehicle you have 3 options and that is the options in the Transunion booklet. It does not include the mileage or condition of the car. If they had to apply that how much do you think you'll get for the condition of the car after the accident?
The booklet has 2 values, Retail and Trade printed and then a calculation at the back of the booklet to use based on kms and condition. They only use the printed totals. Some insurance companies also have a thing called market value which is the average between trade and retail. Retail is obviously the highest value.
The broker should be chasing this though, not you.
ScottulusMaximus
Honorary Master
Probably but the insurer wasn't responding to them either, this case has caused big *** and drama, the brokerage is furious at them as well.
Besides I'm a lot more persistent and annoying than my broker.
This is sad to hear. Bet that the broker was more persistent when you had to sign up...
This is their get out of jail card, the onus is on you to ensure that the correct details reflect on your policy and if something is listed wrongly it must be amended asap.
Hope you get the right amount paid out in the end!
On a related note, my insurance decided that my car is a write-off and are paying out. The payout is almost what was paid for the car, so that's quite nice at least. My car was a total steal when I bought it though, so replacing it will be very hard. Probably going to be an expensive month.
Hemi300c
Honorary Master
If you can prove low mileage, additional extras etc you can insure with them included. There is no ways a car with 250 000 km on is the same value as one with 100 000 km on.
The book is used for a average indication based on all transactions and not entirely used for clear cut values.
ScottulusMaximus
Honorary Master
Lucky you...
They're offering me 15k less than what I bought the thing for 5 months ago(excluding all the services etc I did on it), and I don't have the 20k to add on to whatever they pay me to get something similar because I just bought the thing and I'm moving house end of dec. The difference between a 45k car and a 65k car is massive, in my eyes they are being incredibly unfair and I won't stand for it.
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