Insurance and CAr Hire Companies

[Adam.I]

Hello. I was involved in an accident on August 12th 2008. It took them seven weeks to get me a hire vehicle out! The day after that, they got someone to come view my car. We agreed how much it was worth, and asked if I want to buy the car for 10% of the agreed price. I said yes. He then said the car is mine to do as I wish.

Got a call from my hire company, being advised from the third party today saying that they are coming to pick up the car because I no longer need the hire car. I couldn't believe what I was hearing. The lady said that, when I sold my crashed car, on a Cat C, I then could have used that money to buy another car, and I am no longer eligible for a hire vehicle and they are not paying for the hire of the vehicle totaling £7,120. They are coming to take the car in three/four days.

Are they allowed to just do this? Just because I sold my Cat C car which was doing nothing on the driveway!?
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Veni Vidi Vici

[steve32]

when i had a smash in my car about 10years or so ago i had to keep the crashed car until the insurance company got the payout from the other side and the hire car i had was mine until then and my insurance company made the other side pick up the bill for the hire car
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suzuki GSX 600F katana .: ~my bike up for sale~ :.
CBT = Completed
DAS= Working on it - theory test = Passed

[piazza]

I agree give them fuck all,my mate had a brand new punto for a year put 17000 miles on it

No money no car back what are your insurance doing ?

How did they know you sold it?

[piazza]

I agree give them fuck all,my mate had a brand new punto for a year put 17000 miles on it

No money no car back what are your insurance doing ?

How did they know you sold it?

[Adam.I]

When they rang to arrange a date for a independent review of the car, I told him then that I had sold it and he then told the insurance company. I can't refuse to hand over the car. They say that from tomorrow 23:59, I can't drive it.
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Veni Vidi Vici

[syl]

You need a car, at the other party's expense, until the other party coughs up.

If they have paid you 90% and given you the car as scrap (the other 10%), they've done their bit and you can't expect any more out of them! If you haven't received the 90% yet, you can continue billing them for a hire car so get back onto the hire firm.

You need to get onto the insurer as well as they've obviously written it off and agreed a price - a cheque usually follows pretty swiftly.

If none of them are interested, I suggest ringing an accident recovery company (e.g. helphire) who will be more than happy to help you out with a car as they bill the insurance companies quite handsomely for the pleasure.
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Current bike: Kawasaki Z750S

[piazza]

Don't forget to bill them for the seven weeks without a hire car wtf is that about

[Adam.I]

Helphire is who I am currently with. I have still yet to receive anything from them, still waiting for the third party to admit liability.

They are saying because I sold the car, I have money to finance another car, and therefore, not entitled to the hire car, and as a result of this, they are refusing to pay the previous fees for hiring of the car or anymore. I have spoken to the third party insurer and that is what they have said. They are cretins, the lot of them!
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Veni Vidi Vici

[iooi]

[tutton]

When we had a crash, we demanded a hire car the next day, and one turned up.. as they were putting it off etc.
Then as soon as the cheque had cleared in bank they wanted it back...
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Past: '05 Peugeot XPS '99 Aprillia RS125 '94 FZR600R
Current: '02 ZX636 A1P '51 CCM R30

[syl]

Ring helphire. Tell them you haven't sold it, it's been written off* and you have sold the scrap only but you haven't received your payment from the insurance company yet. If you still don't have any luck, get the Yellow Pages and call a solicitor to sort everything out for you.

*I presume "the man" was from the insurance company that is paying out and that you have some proof that you bought the scrap for 10%.
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Current bike: Kawasaki Z750S

[Adam.I]

It was my insurance company who came to view the car. The claim has not been settled, I haven't had a penny, so I am still entitled to the car, but they say I'm not. If I say to them I actually do have it, and it isn't sold, then the third parties insurance want to view it themselves.
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Veni Vidi Vici

[Phoenix]

You're entitled to the hire car until the claim is settled, the only reason they sometimes refuse a hire car or withdraw it during the claim is if there's any reason to suspect the claim won't go in your favour, there's sometimes a maximum hire period they will allow too, often 3months but sometimes 6 or more.

To say you should use the money from the salvage to buy a new car is absurd, it won't buy you a similar car to what you had so you shouldn't be expected to go buying a cheap car to keep you going and then sell it and buy something better once you've had your payout. What's next, are they going to say you had savings in your savings account so should've used that to buy a car to drive in the meantime?

[iooi]

[Adam.I]

I was TPFT.

I have the pics to prove the damage, plus the engineers report.

The maximum I am allowed to have the car is a 51 week period, it has currently been 14 weeks-ish.

The third parties insurance company (Norwich Union), won't respond to Helphire in calls or writing. They will leave them hold for 20-30 minutes at a time, then Helphire write to them, and they won't respond. Helphire advised me that they themselves will have to take the car off me because the third party is refusing to pay, and settle the claim, which means Helphire will take this to court and she advised me that if it goes to court, then there can not be use of a hire vehicle because there is no-one to pay for it.

His third party insurance are absolute idiots, and if I am fair, Helphire are not much better (seven weeks to get a car sorted!) and not even ringing the third parties insurance for six days AFTER the accident. It sounds to me like the third parties insurance are just looking for anything to get out of paying for this one. Since the day of this accident, it has been nothing but aggravation, I am fed up of it. They only write to me once every two months to 'update' me. I am so close to just telling them to forget the whole thing.
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Veni Vidi Vici

[Robby]

Nothing useful to add, but I'm currently pursuing a claim against Norwich Union, and they really are shit.

I was TPO, so I'm being represented by some no win/no fee lawyers. The crash was a little over a year ago, and I've only just had the bike inspected and seen the insurance doctor for a medical report.

Currently trying to get a settlement, but we'll probably be issuing proceeding in the new year.

One method Stinkwheel came up with, if the insurance company representing the third party are being particularly shit. Work out your expenses, and issue court proceedings against the 3rd party driver, not insurance company. You claim is against them after all, just their insurance company handles it all.

You can guarantee they'll be on the phone to their insurance company screaming bloody murder within 10 minutes of the summons landing on their doormat.

[lozzypop1]

I'm sorry to have to say it, but if I were you I wouldn't be worrying about having a hire car. I'd be a LOT more concerned about getting a cheque from the third parties insurers at all.

In essence you have refused to allow them to inspect the damaged vehicle, which appears to be the main part of the claim. In so doing, you have undermined your claim to the point where you may no longer have one.
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Funny, I used to hate being spanked as a child!
Tell me and I'll forget; show me and I may remember; involve me and I'll understand.

[Adam.I]

They have valued the car at £1,350 (after them taking 10% for the car), the fees for the hire is £7,120 which takes precedence.
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Veni Vidi Vici

[sickpup]

[Adam.I]

An insurance vehicle inspector came to review the car and he decided that it is a Cat C. When I sold it, I got £325.
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Veni Vidi Vici

[sickpup]

[Adam.I]

[MattEMulsion]

I don't think that you should have sold the car until the claim was settled. Why hasn't the claim been settled, there must be a reason for the hold-up. Has liability been established or is that the problem?
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Yamaha YZF-R6

[Adam.I]

The person who came to view the car, told me it was now my car to do as I wished, so I acted on that information. The reason it is taking so long is because the third parties insurance company won't answer to Helphire and Helphire are issuing a final letter to them, advising them if they don't respond, the matter will be taken to court.
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Veni Vidi Vici

[iooi]