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Someone crashed into my car - Insurance advice

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Black9:
So earlier today in my golf I was parked on the correct side of the road on the pavement whilst I ran into the bank across the road. Came back to my car indicated right to come off pavement and into my lane. A lady in a Subaru Forester is making a U turn across the road and coming into my lane. Half way through the u turn she hits in to the rear arch of my car making a substantial dent and damaging the face of my wheel. She's claiming it's my fault and I know it's hers. Called my insurance earlier and they told me they've marked it down as a partial fault and the team who deal with claims would decides who's fault it is. I'd need to pay my £700 excess if I decide to go ahead with making a claim. Alternatively they said I can call her insurance company and they might admit liability, but I really doubt it as they will have her best interest at heart.. Any advice on what I should do? Right now I'm thinking go through my insurance and hope for the best?

pudding:
Everything goes 50/50 regardless of who's fault it is because the whole stinking insurance industry is corrupt.

So yeah, £700 it is then, unless you can get a quote to fix it for less.   But you'll still be hit with a premium hike next year because she will claim against your insurance.

I take it you were stationary when this happened? In which case it's her fault.  If you were both moving when it happened, there's a "DWDCA" case against both of you, so, quelle surprise....50/50.

Insurance is effin pointless, but c'est la vie.

Black9:
Heard back from the assessor today and cars a write off. They've offered me £2900 for the car which is a joke, I've rejected the offer.. they said they will look at car again but it's unlikely they will offer anymore?

Any ideas where I should go from here, car has full spec apart from dsg and I'd say it's worth £4000 minimum. Do asseseors usually come back with 3 offers?

pudding:
They always come back with a low ball WBAC offer in the first instance.   2nd offer may also be crap.  Gather up as much market evidence as you can to support your claim of £4K.  If you push them hard enough they should yield eventually.  If you're patient, the longer they get tied up with this, costs them more in admin/paperwork, so keep rejecting the offers for as long as possible  :smiley:

It makes the "Value" box on the application form utterly pointless.  You put the market rate figure in, and they offer you 60% of it when it's written off.  A holes.

shaunK:
I feel your pain on this, I had a Cooper S a few years back that someone reversed into and drove off. My experience with insurance assessors was awful, the guy was an utter barstewards basically claiming the cars weren't made very well some the repairs didn't have to be that good. In the end I paid BMW £100 to access the repairs carried out for me a write a report which slammed the original repair shop. I managed to claim that back from the insurance company but still ended up paying my £500 excess as the guy that hit me wouldn't admit fault.

Like has been said the whole industry is completely corrupt. My only advise would be get everything in writing that you can ask for a full report as to why the car is being written off and not repaired? Maybe if the car will drive go to a few places and get your own quotes?

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