Tim.
ClioSport Club Member
Irrespective of what happens with your own car, surely if the other person's car needs repairing then you will have to pay your £600 excess, won't you?
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E90 M3
Yes. The excess will be taken from the settlement figure.
Heez
ClioSport Club Member
Superleggera'd Bean
As far as I'm aware that's not the case. If you don't claim for your car you don't pay the excess. Friend of mine went into somebody, knew he could repair his own car for muchos cheap so the 'somebody' claimed and my friend never paid the excess. his excess was something stupid like £6-700.
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Rob
ClioSport Moderator
Jesus. WTF is this all about.
Some astonishing views in here.
Some astonishing views in here.
easy enough damage to repair though.a few hours and a basic toolset should get it sorted
LOL no.
Clio 220 Trophy
1995 Renault Clio 1.8 16v
I don't understand the comment?
Clio 220 Trophy
What don,t you understand ? quite a straight forward comment.
Ok explain then.
My insurance company have told me what is going to happen so at the end of the day im going to believe them over anything on here
1995 Renault Clio 1.8 16v
Well not really, it's totally ambiguous..!
What comments lead you to believe that some people need to 'get a grip'?!
1995 Renault Clio 1.8 16v
An that's not me having a go, just understanding the conversation!!
Hard luck lessons learned I hope.
Clio 220 Trophy
MKii,
Mate i,m assuming you have claimed as stated in you previous posting, if your cars written off they will offer you settlement figure for your car ( don,t accept the first one they offer ) argue that your cars worth more, once you both agree on that figure, your excess will be deducted from it, you can agree a buy back figure for breaking etc but thats another issue, your insurance company will deal with repairing the third parties car, does that make it clearer?
Now to through a spanner in the works so to speak, I taking it you have fully comp insurance ?
Mate i,m assuming you have claimed as stated in you previous posting, if your cars written off they will offer you settlement figure for your car ( don,t accept the first one they offer ) argue that your cars worth more, once you both agree on that figure, your excess will be deducted from it, you can agree a buy back figure for breaking etc but thats another issue, your insurance company will deal with repairing the third parties car, does that make it clearer?
Now to through a spanner in the works so to speak, I taking it you have fully comp insurance ?
Yes that is exactly my understanding of the claim too, i have been told by a few people to refuse the first offer, does it help if i get some adverts for others for sale to prove how much they are being sold for?
and yes i am covered fully comp
I have also been told if i was not claiming for my car the excess is not payable for the other partys claim that cost is covered solely by my insurance company. I only have to pay the excess if my car is being repaired as it is payble direct to the repairers. alothough in a round about way i am paying it but will be out of the agreed settlement.
and yes i am covered fully comp
I have also been told if i was not claiming for my car the excess is not payable for the other partys claim that cost is covered solely by my insurance company. I only have to pay the excess if my car is being repaired as it is payble direct to the repairers. alothough in a round about way i am paying it but will be out of the agreed settlement.
Trophy #387
Unfortunately that isn't how it works... I was out driving once and there was a car parked on a corner, at night, 1metre away from the kerb, opposite a junction, and I slammed on - I stopped, but the car behind didn't... We both seeked to claim off the parked car as it was illegal parking (didn't comply with the highway code either) and we contacted the police but they said although the parking was absolutely woeful, nothing could be done.
EDIT:
Still didn't have any liability for the accident.
Clio 220 Trophy
Yes that is exactly my understanding of the claim too, i have been told by a few people to refuse the first offer, does it help if i get some adverts for others for sale to prove how much they are being sold for?
and yes i am covered fully comp
I have also been told if i was not claiming for my car the excess is not payable for the other partys claim that cost is covered solely by my insurance company. I only have to pay the excess if my car is being repaired as it is payble direct to the repairers. alothough in a round about way i am paying it but will be out of the agreed settlement.
As far as using adverts to try and convince the repairs accessor that yours cars worth more, I found that it didn,t really help, he/she will come back with the answer that you paid too much for the car in the first place. as far as the excess is concerned, thats right it is only payable on your car, so like you say , your stuffed really , repair the car you pay it, your cars written off and its deducted from the settlement figure.
Wishing you all the best getting it sorted,
LY Megane R26 230
Clio 220 Trophy
Totally agree, £650 is a massive amount out of anyone,s pocket, especially to a garage.
1995 Renault Clio 1.8 16v
Have seen different outcomes on different claims regarding showing adverts. My sister found adverts for a rare 205 gentry when hers was written off and it added a lot more to her payout, supplied adverts when my granddad's S320cdi got written off and it didn't change a thing.
I'd say it's worth a shot, it's what, half an hour of your time?
I'd say it's worth a shot, it's what, half an hour of your time?
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