yet another insurance question (not for me )

[andyscooter]

our friend was driving down the motorway in the inside lane doing 50mph (road works so average speed cameras and 50mph limit in force)

she realised she was being boxed in by two lorries going more then 50 there was a lorry in front so she couldn't go forwards or pull out

anyway the second lorry pulled into the inside lane hitting the rear of her car she managed to control it and then lorry did it again couldn't pull over as concrete barrier down the side and no hard shoulder

her car is damaged beyond economical repair (1997 Vectra) and has been taken away to be assessed but she needs a car, the lorry drivers insurance company are saying she has to pay £27 per day for a hire car and can only give her a corsa/micra sized one because of her age

this is no use as she has to fit a 8 year old a 1 year old and a 10 week old in it with a double buggy my boot isn't big enough in my Peugeot for the push chair so a micra is too small
not only that she cant afford to pay nearly £30 quid a day for a car

so question is can they charge her for a car considering she wasn't at fault at all?

she will get onto her insurance but cant until Monday as it is a local broker and closed at weekends but really needs a car for the morning to take her husband to work and kids to school
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Kai.Wilson]

UK driver or EU trucker?

The hire car would be claimable so any costs can be claimed back

What might be the better option is if she can spend maybe £500 in a similar car. That way the claim pays out water ever it does for injury and vehicle value and she already has a replacement car. She can then sell this car if she chooses to get a better car etc

If she can't afford to buy a car then I'd insist 3rd party insurance fronts hire car costs

She may find her insurance puts her in touch with a claims management company and they may well front hire car costs

[iooi]

[andyscooter]

[Wafer_Thin_Ham]

She has to pay the lorries insurance company £27 a day for a car, but they'll only give her a Micra "because age".

Why doesn't she talk to them and suggest that she needs an equivalent sized car. if they cannot provide it, she will source it from Hertz/Europe Car and pass them the bill for it? See how that grabs them.

I would have thought they'd need to give her a similar sized vehicle, but I could be wrong. Talk to citizens advice maybe?
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[andyscooter]

[Wafer_Thin_Ham]

[Rogerborg]

No debate on this, she needs to get on to the third party insurer and say "Provide a Vectra sized car, today, at no cost to me, or you'll be paying full retail to someone else."

Has she told her own broker about it? If she really did get her back door smashed in then I'm surprised that they haven't offered to sort her with a hire car and bill the 3rd party underwriter for it at some usurious rate.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Wafer_Thin_Ham]

[iooi]

[andyscooter]

[andyscooter]

If it comes to it my Mrs will lend them her car for a few days and drive mine

As long as my inner tube turns up for my bike in the morning
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[andyscooter]

Update on this

Insurance paid our friend out and she bought a 04 plated astra the lorry driver who hit her hadn't told his company what had happened and is being sent with
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Rogerborg]

[andyscooter]

I wrote delt with not sent stupid auto correct
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Wafer_Thin_Ham]

All well that ends well. (Unless you're the lorry driver.)
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[arry]