Double insurance payout?

[Most Easterly Pandas]

For those that are not aware, dad and sister were invloved in a serious accident on Monday of last week. Had to be cut out of the car, so it's defo a write off.

6 Weeks before this, an old codger went into the side of the car, causing about £800-£1200 of damage. This was cosmetic so the car was still driveable.

Basically the claim against the first accident is still going on (the codgers insurance has admitted liability). For both accidents dad is not at fault. What happens as far as claims go?

The insurance acessor for the first accident has said that the car will probably get written twice in relation to the damage caused by each accident seperatly, resulting in two lots of payout.

Is this correct? Or does the first claim no longer count as the vehicle is going to be written off by the most recent accident? Would be nice, but in this day and age I can't see it being likly surly


Below is the car after the most recent smash. The damage caused by the first accident is that on the passenger door and rear quarter pannel/'B' pillar.

Jon.

 

[custard]

dunno the answer but if you think about it
you may have had the vehicle fixed already from bump one so theres nothing to stop you getting paid on both counts
in the end the 1st bump caused damage which would have needed repaired
same goes if you sold thew car,i doubt it would stop the claim bar having the car checked

 

[Most Easterly Pandas]

dunno the answer but if you think about it
you may have had the vehicle fixed already from bump one so theres nothing to stop you getting paid on both counts
in the end the 1st bump caused damage which would have needed repaired
same goes if you sold thew car,i doubt it would stop the claim bar having the car checked

That's what I was thinking, as the car was going to be repaired for the first accident (either by his insurance, or writen off by them, brought back by us, and then repaired).

 

[mrcinquecento]

The first accident isn't coming off your insurance, its comming off his. so it doesnt matter if the car was written off afterwards, the first accident man is still liable for the damage he caused, as the car was good at that point.

what happened aferwards is totally seperate, so you will get the double pay out.

 

[mehstg]

Fcuk me mate...are your Sis and Dad ok?

 

[Most Easterly Pandas]

Fcuk me mate...are your Sis and Dad ok?

Yea, they're both recovering well thanks. Sister got bad bruising from the seatbelt, and dad's feet smacked about abit by the pedals so he's in discomfort from time to time, but other than that, both relativly lucky!

 

[StevenRB45]

Wouldn't the first accident resulting in the car being a write off reduce the pay out for the second one? In much the same way as if you crash a vehicle a damage repaired vehicle that was previously a Cat C or D write off you won't get the same as you would for a straight one? If it was technically Cat D writeoff at the time of the 2nd accident they might treat it as such.

 

[Most Easterly Pandas]

Can see where your coming from Steven, but wasn't written off at time of second accident (still isn't ).

But they have said it will decrease the value. So looks like we'll be getting two payout, first accident paying higher than first.

Although insurance company trying to play silly buggars at the mo and removed car to somewhere in Essex, so it's been advised that it's back with us sooner rather than later

 

[StevenRB45]

Can see where your coming from Steven, but wasn't written off at time of second accident (still isn't ).

But they have said it will decrease the value. So looks like we'll be getting two payout, first accident paying higher than first.

The second part is what I was getting at I.e. they would treat it as being of lower value for its second write-off because technically it was already a write off when that occured even tho it wasn't...

I love insurance it's so simple..:slayer:

assuming you meant first accident paying higher than second

 

[Most Easterly Pandas]

assuming you meant first accident paying higher than second

Correct, even though they've not come back with a price yet. Second have come with £450 which has already been refused. Want atleast £550 with damage - But we'll see

I love insurance it's so simple..:slayer:

Tell me about it ...

Quick update.

**** has hit the fan. Without permission (bear in mind legally it's still dad's car as it's not yet been written off) the Selecta has been moved to a place in Essex

Also had the insulting offer of £450 for her

It's a ****ing joke! They best not be doing nothing with her, or there will be big trouble!!!

 

[volxstu]

I dont get that the first accident should have been repaired so the value of the car would be the same as before no cat c writeoff, so the second accident should give the book price on the car.

 

[Most Easterly Pandas]

I dont get that the first accident should have been repaired so the value of the car would be the same as before no cat c writeoff, so the second accident should give the book price on the car.

I can see what you mean. Should have been repaired, but didn't happen in time before the second.

 

[usetherudders]

With regard to the first incident, the TPI can/may offer you a Cash in Lieu settlement to get the car fixed based on average book price. By doing this the car is not classed as a Cat C write off, but you get write off value as the car is uneconomical to repair. This is a quicker way and they don't have to deduct salvage value and enter vehicle on the DVLA database.

The second incident the vehicle will be written off as Cat B and you will be paid either by your insurer depending on cover or direct by TP if they admit liability.

 

[Most Easterly Pandas]

The second incident the vehicle will be written off as Cat B and you will be paid either by your insurer depending on cover or direct by TP if they admit liability.

This is what we're now wondering. TP admitted full liability (I'm on about 2nd accident here/roof off one).

Now dad's insurance company know this, and are try to get out with paying £450. Sure we should be liasing with her insurance company for money though and not dad's

 

[usetherudders]

Due to the value of the car, you will be better off going direct with TPI.
With execess deduction your insurer will not be paying much if any at all and you will still have to recover this from TPI as an uninsured loss.

Regards

 

[Most Easterly Pandas]

Due to the value of the car, you will be better off going direct with TPI.
With execess deduction your insurer will not be paying much if any at all and you will still have to recover this from TPI as an uninsured loss.

Regards

Excess gets waivered as soon as TPI admits liability

I'm going to be speaking with them tomorrow on dad's behalf to start sorting things out as they're beginning to muck about and take advantage of his poor health due to the smash

Jon.