Just been rear ended, what do I do?

Just for reference, check to see if the Corsa driver is insured!! www.askmid.com

[Biker Biggles]

Originally Posted by Spank86

Ok, perhaps most people would but you can't deny that most insurance companies will screw you on the true.cost of your car. Which is.even worse when it's someone else's insurance co. Hardly creates an atmosphere where people are inclined to he honest, does it?

Whatever the rights and wrongs of it I totally agree with this.And if you factor in the time and effort you expend in trying to provide evidence of how much your written off vehicle can be replaced for,and the grief and hassle of having to look for and buy another one,the amounts offered are an insult.
I had a car rear ended and written off some years ago.It was an old Audi but in very good condition and very low mileage.I got offered a few hundred quid,and no I didnt claim for any injury.Much time and stress got me a slightly improved offer,but nowhere near what the car was really worth.I wish I had gone the whipcash route as that would have got me enough to replace the car with something similarly sound and reliable.

Your problem there is the car. I bought a Laguna near my home town up north. I had it written off when living down south and got £600 more than I paid for the car and thats before the personal injury claim

nope, my problem is definitely the insurance companies.

Originally Posted by Spank86

nope, my problem is definitely the insurance companies.

Does it not really really get your back up when a quote comes back at more than the value of the vehicle... I really don't understand that!
A mates just passed his car test, he's 26 and never driven anything other than a 125 bike. He's bought a £600 fiat 900cc P reg thingy, cracking condition for a little old motor but his insurance premium...£1350 HOW?????

I know its also to do with the cost of the damage you can do etc but still, there should be a cap on premiums for the value of the car on the policy, after all its supposed to be insurance not standing order to a savings account for paying out other folk.

[yorkie_chris]

An old bloke who works for one of our subbies was saying about some personal accident/illness cover he had when self employed came out with a good one "just glorified bookmakers anyway"

Problem is all these syndicates of joe backis in Bradford with 27 of them getting whiplash in a datsun sunny 3mph collision is screwing everyone else's odds!

Personal injury claims needs to be sorted ASAP, we will price ourselves out of the game otherwise.

People really are taking the p*ss now.

I don't like the way the insurance companies are going with these black boxes in vehicles either, award safe driving? Absolute crap, it will record speed, how many accidents are directly related to speed, not that many I'm guessing.

More accidents are caused by distraction, how can a gadget in your car monitor this?

[yorkie_chris]

And driving at night etc. supposed to stop kids in hatchbacks driving round like idiots with their mates. Yeah right.

[Sir Trev]

Originally Posted by Biker Biggles

Whatever the rights and wrongs of it I totally agree with this.And if you factor in the time and effort you expend in trying to provide evidence of how much your written off vehicle can be replaced for,and the grief and hassle of having to look for and buy another one,the amounts offered are an insult.

Oddly enough the other side's insurance were great when my car got written off. Friendly call from them and a discussion over what similar vehicles were available on Autotrader got me a fair payout for the age and condition. Was dreading the arguments but in the end it was quick and amicable. Fingers crossed in this case of course.

Originally Posted by Owenski

Does it not really really get your back up when a quote comes back at more than the value of the vehicle... I really don't understand that!
A mates just passed his car test, he's 26 and never driven anything other than a 125 bike. He's bought a £600 fiat 900cc P reg thingy, cracking condition for a little old motor but his insurance premium...£1350 HOW?????

I know its also to do with the cost of the damage you can do etc but still, there should be a cap on premiums for the value of the car on the policy, after all its supposed to be insurance not standing order to a savings account for paying out other folk.

It does a bit but I do understand why with yound drivers.
I hit enough things when i was in my teens to know why they priced me like they do, even if I didnt claim for most of it. I was good at colliding with scenery.