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Someone crashed into my car - Insurance advice
Black9:
So I've received an email from the hire car company, provided to me by my car insurance. They've asked me to accept an interim offer for the amount the accessor offered and then dispute the rest at a later date :thinking:
They said if I don't the car hire vehicle may be terminated, which doesn't bother me as I have another car to use. Suggestions? I don't want to accept any offers from the insurance apart from the correct and fair amount.
The issue is assesors don't realise well kept cars with good spec and history fetch fair money. Not £2900. I've seen cars with lesser spec than mine advertised to 5K, doesn't mean to say it's worth 5K but a fair bit more than £2900 :sad1:
willni:
--- Quote from: Black9 on August 15, 2017, 05:42:20 pm ---So I've received an email from the hire car company, provided to me by my car insurance. They've asked me to accept an interim offer for the amount the accessor offered and then dispute the rest at a later date :thinking:
They said if I don't the car hire vehicle may be terminated, which doesn't bother me as I have another car to use. Suggestions? I don't want to accept any offers from the insurance apart from the correct and fair amount.
The issue is assesors don't realise well kept cars with good spec and history fetch fair money. Not £2900. I've seen cars with lesser spec than mine advertised to 5K, doesn't mean to say it's worth 5K but a fair bit more than £2900 :sad1:
--- End quote ---
I wouldn't accept it, it'll be harder to argue the rest of the value if you've accepted the £2900 offer.
Black9:
I'm not going to. If they take the courtesy car away so be it.
jason_rmh:
With regards to the valuation, they probably have a figure from a book / guide which generally doesn't take into account the optional extras, it really only looks at model, year, mileage.
So get a few examples from for sale add as close to your spec as possible to justify your case.
I hate this process, you have paid through the nose for the premium and when it comes to it you have to fight to get a fair outcome :(
If the car is written off, you can buy it back as salvage (which is subtracted from the agreed valuation) and either arrange repair yourself or break it for parts to recover some costs.
Jas
Black9:
Update, received an email from esure customer relations today to be told they will increase the offer from £2970 to £3170 and this is the end of the matter. They have taken circa £500 off the valuation as my car had some previous damage, some rust on front wings and small amount on leading edge of sill.
I've been informed the cheque will be sent within 7 days..
I don't find this valuation acceptable and don't want to accept the cheque. This is only the second offer, I've been told thy usually offer 3 times? Am I obliged to accept this offer?
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