Insurance Trouble!!!!!

[mas]

hey all,

Rightio... as some of you know, got a simple rear end shunt resulting my car been written off, insurance/solicitors provided me with a nice car to use for the time being... the accident happened 3 months ago and still... no payout.

After various calls i found out the insurance havent been in touch with the other third party company to check liability????? how the hell?!?!?!?!

anyways, today called the insurance, finally they said they have sent the cheque today!!wahooo... not. the car had an agreed value of 1,000 which i confirmed with the insurance company, turns out, a whole 350.00 is getting sent out to me!!!!!!! argh!!!!!! they have taken a 650.00 exess out of it, even though it is there fault that they did not chase up the other persons insurance to confirm there liability!!! takes the pi$$!!! so i have been charged 650.00 for something i shouldnt have been charged for in the first place, and it is there lazy arse fault for not chasing the claim up!

what can i do, they said as soon as they get info about the liability and she confirms it, i will get it back, but with my payout through the solicitors which i claim back, which can take up to a year?? i need the money to buy my next car!! what position am i in?? anything i can do??

they are taking the hire car away when the payout comes through, which will be for 350.00, they take the car and i have 350 too buy one... but it will also be a claim on my insurance for the time the claim goes through and it is settled... wtf!!!!

i need some help, they are taking me for a run!!

:evil: :evil: :evil: :evil: :dead:

rant over. lol.

Sam

 

[Adam]

yeah matey unfortunatly until the 3rd party admits liability and it all goes through you have to pay for the excess and normally 3 years no claims come off the policy too. ive been in this position twice

 

[MikeyR]

sounds like a mess m8! my m8 had a side shunt an wrote his car off an he had a car for 3 months off the insurance an then got a cheque for £900 which was £200 less than his car was insured for but that took 3 months from start to finish. mite say somethin in your terms an conditions about it?? what insurance company is it so i can stay far away from them?? good luck m8

 

[DougClio16v]

Dont cash the cheque, sent it back in a brown envelope with a big turd and demand more

 

[Middo]

yeah matey unfortunatly until the 3rd party admits liability and it all goes through you have to pay for the excess and normally 3 years no claims come off the policy too. ive been in this position twice

aye thats the case, and it is unfortunate! i'm lucky i didnt write my car off or iw ould have been in the same situation.

If you want more advise get in touch with the financial ombudsman

 

[BrianR]

Norwich Union by any chance ????????

 

[manicmonkey]

check with the citizens advice bubeuo (sp!), maybe you can just refuse the 'settlement'?

 

[DeanJ]

Norwich Union by any chance ????????

LOL or Direct Line.

 

[Paddy_g46]

Norwich Union by any chance ????????

LOL or Direct Line.

or any f**king insurance company!

 

[mas]

nowp, it was through the AA who were the broker... but C.I.S is the actual insurer!!!

w**k.

 

[Laura]

same as what happened to mee, i payed the £500 excess and they valued my car at £400 and sent me a letter telling me i owed them £100 !!!

i refused the £400 valuation but didnt hear anything for monthes, rang them up n asked what was going on n they told me my car had been scraped, as i hadnt accepted thier settlement figure they couldnt legally do this. So i told them i wanted to buy the car back.. obviously i knew i couldnt as it had been scraped so they offered me £600 for it
result
got my excess back form 3rd party about 8 months later