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Eu To Outlaw Car Modifications...


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#16 Marcr1

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Posted 08 September 2012 - 04:28 PM

Guessing you work for an insurance company :P

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#17 Ray Robbins

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Posted 08 September 2012 - 04:58 PM

Sure do :P Motor Claims Negotiator. You get to talk to some strange, idiotic people in my job!

#18 Stoney871

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Posted 08 September 2012 - 05:06 PM

In that case a quick question.
How long does it take on average to settle a claim.?

#19 Ray Robbins

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Posted 08 September 2012 - 05:12 PM

How long is a piece of string mate. All depends on the claim, the type of accident, WHO the third party insurer is, who YOUR insurer is, if there are witnesses, if there is injury, if there is a quantum dispute....

Standard hit in the rear, the people I work for vs a good insurer like Admiral, no write offs, garages being speedy, you're looking at 4-8 weeks before its closed behind the scenes. Thats with liability being accepted day one. If its in dispute and a really !Removed! insurer like RSA, you're in trouble. We've not actually paid an RSA claim in nearly a year now.

#20 Stoney871

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Posted 08 September 2012 - 05:51 PM

Just checking as I have this case of a motorbike crashing into my car while parked.
1500 repair bill and I paid my excess to get my car back from the body shop.
I spoke to my insurer this week and they haven't even started chasing the other company yet.
Is there any way to speed them up in chasing settlement or do I have to sit and wait for the letter?

#21 Mathrin

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Posted 08 September 2012 - 05:57 PM

They can't recover the excess for you really, its down to a solicitor/ULR company to do. We can only recover the total loss value of the vehicle or the repair costs, unless ULR are going to issue court proceedings to get it back, in which case we take over so as not to prejudice our claim.

I don't suppose you know who the other insurer are, do you? They should have sent off allegations day one! Who are your insurer? ( this is where I find out its us...)

#22 Stoney871

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Posted 08 September 2012 - 06:02 PM

I'm CIS and he's Quodos through J&M.

#23 Mathrin

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Posted 08 September 2012 - 06:21 PM

Interesting... J&M are brokers for Taxi/Private hire? It was definitely a motorbike that hit your vehicle? Can't say I've ever heard of Quodos though...

As far as Co-op go though, they are hit and miss. For instance they refuse to take any calls from an insurer before 2pm, making it relatively hard to get through to them to discuss a claim. They can also roll over on claims where they're not actually 100% liable.

Tbh mate, I could tell you the one way to kick a claim into gear... thats threaten a complaint to the FOS if they can't give you a good reason as to why they've not sent an outlay/allegations yet. It costs an insurer £500 to be investigated by the FOS, even if we win.

#24 Mathrin

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Posted 08 September 2012 - 06:25 PM

Thinking about it, im slightly derailing this topic, should I make a "Ask someone in the insurance business anything" topic, do you think?

#25 DaveD

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Posted 08 September 2012 - 06:53 PM

I have used the FOS and it certainly makes things work a whole lot faster.

#26 Stoney871

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Posted 08 September 2012 - 07:20 PM

Good pointers, thanks.
An insurance Q&A thread may be useful to others.

#27 Tato

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Posted 09 September 2012 - 08:43 AM

Well...all I can say is that this is another great thing coming from the EU...Sometimes when I read this kind of news I am wondering if all other EU problems are solved and now the only thing that is left to do for them is this one with the modified cars...

#28 b1g_dav3

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Posted 09 September 2012 - 09:30 AM

On the insurance thing; my dad tried taking a guy's details that cut across the front of his car damaging the bumper, and the guy drove off, ran my dad over and had him in the motorway; he accepted liability at the scene to the police and it'll be 2 years this September, still not seen a bean. Especially handy when it cost me £3,000 in costs to be able to take him to work and back.

#29 rp1608

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Posted 09 September 2012 - 09:53 AM

Someone reversed into me, I contacted his insurance and negotiated a cash settlement, as it would have been cheaper than an insurance repair!

Someone hit my dad's parked car, it was caught on CCTV, there was a witness, they had no insurance, it went to court and the judge said that the person looked poor and let him off. Think it was the same judge that said burglars are brave!

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