Forum-Gallery-Shop-Sponsors

« Advertise on Freel2.com

Home > General > Insurance question
Post Reply  Down to end
Page 1 of 2 12>
Print this entire topic · 
philclemo



Member Since: 15 Jun 2014
Location: Skelmersdale
Posts: 141

England 2010 Freelander 2 TD4_e HSE Manual Stornoway Grey
Insurance question

Looking for a bit of advice guys and gals. Yesterday evening I was t boned at a junction. It was and admitted to by the other drivers fault. Damage appears to be limited to the rear drivers door and there's small scratches to the rear alloy. I rang my insurer who, after my describing the damage, declared the car beyond economical repair. :0

When I challenged this they said I could approach the drivers insurance but they would more than likely arrive at the same decision. Within 10 minutes of my ending that call, the drivers insurance company rang to say that they would look after the repair of my car negating my insurance companies involvement. They are going to ring me back to confirm my decision, but what happens if they too deem it beyond economical repair. Would they then pay out? Would the car be a class C or D and all the complications that entails if I ever move it on?

Ultimately I am gutted, I love my Freely it really is the best car I have had. The other driver is more upset though as his car was only a day old with smashed bumper, smashed headlight and crumpled front wing which has pushed into the door, much more cost putting that right methinks. 2010MY 2.2 e4 (gone but, not forgotten)
Audi TT Roadster 3.2 DSG
FFRR Westminster 4.4 TDV8 (L322)

Post #369931 10th Apr 2019 7:03 am
View user's profile Send private message View poster's gallery Reply with quote
RogB



Member Since: 16 Dec 2014
Location: Mansfield
Posts: 3867

England 2013 Freelander 2 SD4 HSE Lux Auto Santorini Black

Not sure how your insurance company can write it off over the phone without an engineer even looking at it.

However they will write it off, offer you what they deem to be the fair market value for the car and the car then becomes theirs. You can probably buy the car back off them (dependant on actual level of damage) for an agreed reduced value, and you can fix it up as a categorised insurance write off.

quite why the other drivers insurance company will cover all the process without the need for you to deal with your own insurance company is a bit of a strange one, in my experience you deal with your own company and they recover the costs from the other drivers insurance company once its all completed.

Post #369933 10th Apr 2019 7:27 am
View user's profile Send private message View poster's gallery Reply with quote
Milothedog



Member Since: 14 Dec 2014
Location: South London
Posts: 441

United Kingdom 2013 Freelander 2 SD4 HSE Auto Aintree Green

I had a similar situation a few years ago when I was taken off my motorbike. I was stationary at a red light and a car ran in to the back of me. His insurance (Directline) phoned me the next day and accepted liability. They repaired the bike at my request, it was a borderline write off, and paid for a new crash helmet. It does happen Thumbs Up 2007 TD4 XS The work horse that earns its up keep
2013 SD4 HSE The posh one for towing the caravan
1973 Triumph Stag I bought in 2009 and restored.

Post #369937 10th Apr 2019 7:41 am
View user's profile Send private message View poster's gallery Reply with quote
Boxbrownie



Member Since: 17 Mar 2019
Location: Looe
Posts: 2053

United Kingdom 2007 Freelander 2 i6 HSE Auto Stornoway Grey

That’s not strange at all, our RX was parked at work in the winter when it was side swiped by an over exuberant Mini driver, ended up needing new door skins, door mouldings and a complete side respray, I contacted my insurance who informed me that the third parties insurance had been in touch with them and would liase with me, it was all carried out by the other insurance company, including the hire of a brand new MB 350ML over Christmas which worked out in all as a one month hire!

Never heard another peep from my insurance until renewal time when I mentioned the accident of course and they stated it was all taken care of on the records and no effect would it have on my policy, in fact my fee that year went down Thumbs Up Regards

David

Lovely i6 has now gone, but not me......

Please let me know if anything in my post offends you, as I may wish to offend you again......

Post #369938 10th Apr 2019 7:46 am
View user's profile Send private message View poster's gallery Reply with quote
SouthamFL2



Member Since: 08 Jan 2019
Location: Banbury Borders
Posts: 432

United Kingdom 2013 Freelander 2 SD4 HSE Lux Auto Baltic Blue

My understanding when in this situation is if their Policyholder was at fault and their insurer has offered to take care of all the repairs directly, then irrespective of whether or not it is beyond economical repair, you have the right to demand that it is repaired. They are not in a position to "write off" the vehicle, without involving your insurer.

Insist that it is repaired to JLR Bodyshop standards, not some Fred-in-a-shed on the cheap.

Post #369944 10th Apr 2019 9:00 am
View user's profile Send private message View poster's gallery Reply with quote
Dartman the one



Member Since: 04 Apr 2013
Location: Seville, Spain
Posts: 1649

England 

Whichever way you look at it, it's your car you negotiate the payout within reason i.e trade value for repair payout replacement cost for a write off, get your chosen repairer to give you a quote, it may look like superficial damage, but get them to ensure there is no structural damage. You can get a cash payout and repair with used parts without any notation if dealing with a third party's insurance. my PC is slightly to the right of Genghis
2012 HSE SD4 In Orkney Grey now gone, best car ever.

Post #369947 10th Apr 2019 9:44 am
View user's profile Send private message View poster's gallery Reply with quote
philclemo



Member Since: 15 Jun 2014
Location: Skelmersdale
Posts: 141

England 2010 Freelander 2 TD4_e HSE Manual Stornoway Grey

Thanks for your replies. His insurer is esure. I would hope that I'm in a strong position to get it repaired. I took a look on the bay of fleas last night and a right colour door, complete can be had for less than £200.

What is galling is I fitted a new battery a month ago and a new throttle body last week, always loving this car I really don't want it categorised. It would be a great shame.

Having had a look at it this morning, the door has taken all the damage. No damage to the sill or C pillar. The marks on the wheel look as though they'll polish out tbh. 2010MY 2.2 e4 (gone but, not forgotten)
Audi TT Roadster 3.2 DSG
FFRR Westminster 4.4 TDV8 (L322)

Post #369949 10th Apr 2019 10:27 am
View user's profile Send private message View poster's gallery Reply with quote
RogB



Member Since: 16 Dec 2014
Location: Mansfield
Posts: 3867

England 2013 Freelander 2 SD4 HSE Lux Auto Santorini Black

so seems a very knee jerk rash decision to callit a write off without seeing it... the insurers engineers report should highlight if there any further hidden issues.

having a door, wheel and respray certainly wont categorise the car

Post #369951 10th Apr 2019 10:45 am
View user's profile Send private message View poster's gallery Reply with quote
Deafender



Member Since: 09 Mar 2019
Location: Buckingham
Posts: 98

United Kingdom 2009 Freelander 2 TD4 HSE Auto Zermatt Silver

Quote:
Insist that it is repaired to JLR Bodyshop standards, not some Fred-in-a-shed on the cheap.


GREAT advice....

... Our Freelander took a rear-ender late last year, basically the back bumper and exhaust box bashed beyond repair, so not too serious and not at risk of write-off.

The repair by OUR insurer's agent was shoddy at best... It came back with non-functioning rear parking sensors, and now had exhaust fumes leaking in on a run.... and we both do big mileages, so it couldn't be ignored...

I ran it in to my local garage and they put the car up in the air and found the problem immediately... it turned out that the repairing agent had replaced the rear exhaust box/pipe with used parts instead of new... and the fumes were due to them having also botched the repair nearer the front of the exhaust system as well, and that was where it was leaking.

The insurer didn't quibble at all...After one phone call to the insurer, the repairer came within 24 hours of me reporting this and took our car away. It came back later the same day with brand new rear exhaust parts and functioning rear parking sensors.... I didn't even have to sign anything when it came back second time... Blinking cheeky so-and-so's!! Lexus RX450H - 500 mile a week commuter- I just couldn’t trust in a newer RRS or DS for that….
2009 Freelander 2 HSE... 155K miles, we’ve done 135k of those, has done brilliantly on the commute and staying firmly put as car two in the household
2002 Jaguar XK8 Coupe... fun, fast, ours for 12 years and owes us nothing - so staying with us too…

Post #369975 10th Apr 2019 4:33 pm
View user's profile Send private message View poster's gallery Reply with quote
Steve D



Member Since: 19 Jan 2013
Location: Essexshire
Posts: 4091

United Kingdom 

Milothedog wrote:
I had a similar situation a few years ago when I was taken off my motorbike. I was stationary at a red light and a car ran in to the back of me. His insurance (Directline) phoned me the next day and accepted liability. They repaired the bike at my request, it was a borderline write off, and paid for a new crash helmet. It does happen Thumbs Up


I had the same thing too on my motorcycle when someone t boned me and I got taken to hospital just two days before going on holiday. His insurer phoned me up when I was on holiday, admitted liability and when I came home they offered me £2,000 for personal injury, £600 for loss of earnings, £500 for damage to helmet, jacket and phone screen (was in my back pocket and I landed on my arse) plus £1,250 to keep and repair the bike myself. The repairs cost me less than £100 as it was already scratched up from a previous time I was knocked off of it (and paid out). I bought the bike new in 2009 for £3,500, I still use it daily and to date I have collected £5,950 in accident payouts in its lifetime. Past: FL2 TD4 HSE Auto
Evoque SD4 Dynamic Lux Auto
Present: Audi A3 S Line.

Post #369999 11th Apr 2019 6:27 am
View user's profile Send private message View poster's gallery Reply with quote
dorsetfreelander



Member Since: 20 Jul 2013
Location: Dorset
Posts: 4336

United Kingdom 2014 Freelander 2 SD4 XS Auto Loire Blue

I don't know if it's because I have extended warranty but I am told that in the event of an accident to call JLR accident services before anyone else and they will deal with my insurers. My wife has a similar sticker in her new Suzuki. 3 x FL1 2 manual + 1 auto
5 x FL2 4 manual + 1 auto
Now Discovery Sport P250 MHEV SE

Post #370008 11th Apr 2019 8:47 am
View user's profile Send private message View poster's gallery Reply with quote
Jimboland



Member Since: 06 Dec 2015
Location: Northants
Posts: 711

England 2012 Freelander 2 SD4 GS Auto Santorini Black

The purpose of insurance is to put things right, or in other words in this case to repair the damage to make it as it was. Insuranced companies will usually say it is a "write off" and beyond economic repair. They say this because it is cheaper and more profitable for them. It is easy to offer so called market value for your car, which then becomes their property that they can sell off for parts or scrap value. Do not accept that it is a write off beyond economic repair. The economic side of it is of no interest to you, only the insurance company and their profits, so insist on having repairs done to the manufacturers standards - this is your right. Of course it can happen that it may not be possible to repair a car to a safe and original standard but don't just take the insurance company's word for it, get an independent check. If you don't and you accept a "write off" all you will get is market value for your car and the chances of getting something as good as your car that you have cherished and looked after for that price is most unlikely.

J

Post #370011 11th Apr 2019 9:26 am
View user's profile Send private message View poster's gallery Reply with quote
Milothedog



Member Since: 14 Dec 2014
Location: South London
Posts: 441

United Kingdom 2013 Freelander 2 SD4 HSE Auto Aintree Green

Could be wrong Question But I always thought it was the insurance companies right (T&C's) to decide if its repaired or you get paid out Question 2007 TD4 XS The work horse that earns its up keep
2013 SD4 HSE The posh one for towing the caravan
1973 Triumph Stag I bought in 2009 and restored.

Post #370015 11th Apr 2019 10:21 am
View user's profile Send private message View poster's gallery Reply with quote
Deano64



Member Since: 16 Aug 2013
Location: Huddersfield
Posts: 602

United Kingdom 2014 Freelander 2 TD4 GS Manual Orkney Grey

Steve D wrote:
Milothedog wrote:
I had a similar situation a few years ago when I was taken off my motorbike. I was stationary at a red light and a car ran in to the back of me. His insurance (Directline) phoned me the next day and accepted liability. They repaired the bike at my request, it was a borderline write off, and paid for a new crash helmet. It does happen Thumbs Up


I had the same thing too on my motorcycle when someone t boned me and I got taken to hospital just two days before going on holiday. His insurer phoned me up when I was on holiday, admitted liability and when I came home they offered me £2,000 for personal injury, £600 for loss of earnings, £500 for damage to helmet, jacket and phone screen (was in my back pocket and I landed on my arse) plus £1,250 to keep and repair the bike myself. The repairs cost me less than £100 as it was already scratched up from a previous time I was knocked off of it (and paid out). I bought the bike new in 2009 for £3,500, I still use it daily and to date I have collected £5,950 in accident payouts in its lifetime.


What bike ie it

Post #370018 11th Apr 2019 10:36 am
View user's profile Send private message View poster's gallery Reply with quote
Milothedog



Member Since: 14 Dec 2014
Location: South London
Posts: 441

United Kingdom 2013 Freelander 2 SD4 HSE Auto Aintree Green

In my case it was my Triumph sprint ST 955i , since then I've has a Triumph sprint ST 1050 and currently a Triumph Sprint GT SE 1050

My current bike with my wife pretending she could ride it Laughing



 2007 TD4 XS The work horse that earns its up keep
2013 SD4 HSE The posh one for towing the caravan
1973 Triumph Stag I bought in 2009 and restored.

Post #370023 11th Apr 2019 12:30 pm
View user's profile Send private message View poster's gallery Reply with quote
Post Reply  Back to top
Page 1 of 2 12>
All times are GMT

Jump to  
Previous Topic | Next Topic >
Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



Site Copyright © 2006-2024 Futuranet Ltd & Martin Lewis
Freel2.com RSS Feed - All Forums


Switch to Mobile site