Ask a Shiter

[sierraman]

I'm just saying. I empathise with your situation, it's crap, but it's due to the potential aggro like you've had that puts me off claiming.

[Lacquer Peel]

What's a reasonable price for transporting a small van 50 miles?

[DodgeRover]

On 01/02/2016 at around 6.30 pm some cretin rammed my parked car with such force he wrote it off.The next day I contacted my insurance broker who sent a form for me to fill in and asked for photos to be sent to their assessors.In the meantime they sorted a hire car.They said like for like so another 4x4 I wasn't fussed as long as it had a towbar.Two days after the hire car arrived the assessors confirmed my car was a write off.I asked for salvage then heard nothing.Two weeks later the other insurance assessor asked for more detailed photos to which I obliged then heard nothing.Almost two months later I was paid out. The hire charge at £148.00 per day was almost up to £10k and the other insurers are refusing to pay.

It is going to court but the other insurance company want to know if I was able to pay the hire charges even though they were the ones dragging their heels.I told the solicitors I drive a twenty year old Land Rover, what do you think ? The solicitor said they would want to see bank statements to proove I couldn't pay the hire charges.Surely this isn't right ? I am the innocent party in all this yet just because I have been frugal and have saved up to cover a shortfall on my endowment mortgage and have money in the bank I am being penalised.

I have told the solicitor all these different letters I have received over a non fault claim are really stressing me out.

Can an insurance company demand to see bank statements ?

Maybe try over on the legal thread in the open forum?

[Snipes]

Don't enter into any correspondence with the other party's insurer. Send anything you receive to your insurer. If they call you politely hang-up and tell your insurer.

 

Your case has nothing to do with the other company. You claim off your insurance, who then chase the costs from the other insurer.

 

Check your small print though - a courtesy car may be excluded if the car is a write-off.

[steveo3002]

Will a 1.8 mk1 Ford focus ECU be a plug and play to 1.6? 

if youre needing a 1.6 i have one for sell....bought in an attempt to fix my focus

[NorfolkNWeigh]

On 01/02/2016 at around 6.30 pm some cretin rammed my parked car with such force he wrote it off.The next day I contacted my insurance broker who sent a form for me to fill in and asked for photos to be sent to their assessors.In the meantime they sorted a hire car.They said like for like so another 4x4 I wasn't fussed as long as it had a towbar.Two days after the hire car arrived the assessors confirmed my car was a write off.I asked for salvage then heard nothing.Two weeks later the other insurance assessor asked for more detailed photos to which I obliged then heard nothing.Almost two months later I was paid out. The hire charge at £148.00 per day was almost up to £10k and the other insurers are refusing to pay.

It is going to court but the other insurance company want to know if I was able to pay the hire charges even though they were the ones dragging their heels.I told the solicitors I drive a twenty year old Land Rover, what do you think ? The solicitor said they would want to see bank statements to proove I couldn't pay the hire charges.Surely this isn't right ? I am the innocent party in all this yet just because I have been frugal and have saved up to cover a shortfall on my endowment mortgage and have money in the bank I am being penalised.

I have told the solicitor all these different letters I have received over a non fault claim are really stressing me out.

Can an insurance company demand to see bank statements ?

I'm guessing this is nothing to do with your insurance company , rather an'accident management' company , engaged by you via your broker.

I was in this situation in 2012, but for considerably more money ( £148,000) after a foreign registered lorry wrote off my work car on the M1.

I think that when you signed for the car, you would have agreed to do anything that the credit hire company reasonably request in order for them to claim their reasonable* charges. I had a couple of quid in my savings account that coincidentally had to be paid to my brother, before the court date. It was queried by both my* ( credit hire ambulance chasers self interest) and the 3rd party's lawyers, neither was happy, but apart from bluster and threats, it was soon forgotten.

In my case it got as far as the chauffeur driven car arriving at my house to take me to court in Oxford( all laid on by the ambulance chasers and everything including my days loss of earnings to be charged to the 3rd party, these people are nothing if not cocky) before a deal was struck. The driver came in ,had a coffee and then went back to Liverpool.

[Tickman]

....yet just because I have been frugal and have saved up to cover a shortfall on my endowment mortgage....

There is the reason for your 'savings' as you have a short fall.

The money is allocated already. Can you actually pay off some of your mortgage at present? then the money has been paid to offset your debt regarding the mortgage?

[AlabamaShrimp]

Is it not your insurance company's problem to sort this?

This is the answer. After you've told your insurer what's happened it then there job to do everything else. Don't even answer any direct mail/emails from the other insurance just direct them to yours. It's what you pay for.

[meggersdog]

NorfolkNWeigh  is correct it is an accident management company. I have only correspondence with this company and my insurance broker.The solicitor is from the accident management company.In June last year the other ins. company had found a hire car for £5.00 less per day and asked, through the management company, was I able to pay that.I refused and it's now got to the court stage.

If the other ins company hadn't insured a twat who can't use his mirrors or employed a lazy incompetent fool as a claims handler then I wouldn't be in this situation.

I am getting more and more depressed over it.With dark thoughts yesterday and breaking down in tears today I have made an appointment to see the Dr but that's not until next week.

 

Sorry for clogging up the wrong thread on the wrong board but ,heay, I'n not thinking straight at the moment.

[sierraman]

If your having dark thoughts, your mental health should take priority, get yourself seen to.

 

My father had this trouble with these 'accident management' companies, he ended up with a hire car for over a month!

[Kiltox]

Is the Chevrolet Matiz (2009ish) as woefully awful as the older Daewoo especially for rot?

 

Basically the same car is it?

[sierraman]

Yes, rots like fuck at the back. Bags of shit.

[Kiltox]

Arse. Saw one for sale locally cheap, £30 tax and cheap insurance appealed for a car to dump at the station every day

[sierraman]

£30 a year to tax. £150 a year in beer to cope with the depression of having driven in one. They say these days they don't make bad cars. They're wrong, this is one. Everything about it is foul. The interior is made of that naff shiny plastic stuff I can only compare with something out the Poundland, the engine has no power whatsoever, pressing the pedal just makes more noise, it handles like shit. There's nothing redeeming about one. The old Lada had a staunch proletariat feel about it. This doesn't.

[AlabamaShrimp]

^^^this sounds amazing, get it as fast as you can!

[sierraman]

I had a lift in one a fortnight ago. I really wish I'd walked. They are awful. I'm sure someone willl come on and say they've done 250,000 in one without fault. They are stupid and should have tried harder at school.

[Kiltox]

Don't care about any of that shit just whether I'll be able to hear it fizzing away as I drive it!

 

Station banger for people to smack doors into all day long, few miles a day in traffic

[Captain Furious]

Weaker I'd have said.

 

At some point last night someone's attempted to steal the number plate from our car. They must have got disturbed as they only got halfway through taking it off. Just say they got the plate and went through a series of speed cameras, how would I prove my innocence?

 

I'm currently going through a similar situation, although my number plates weren't physically stolen, they appear to have been cloned and I'm trying to defend a speeding charge that happened 100 miles away from where I live.  I can tell you it is NOT EASY!  Even with a pretty solid alibi and a stack of witnesses who can vouch for mine and the cars whereabouts, I'm still on the hook.  4 weeks in and just sat waiting around for the police to 'investigate'

 

They could still quite conceivably decide they think its me and then i'll have to take my chances in court.  Even if they drop it i'll have had a month plus in my own mental prison with the possibility of being convicted for something I couldn't possibly have done hanging over me.

[drum]

Is there here any other explanation for my dad's old V70 D5 deciding to stop charging after a month of sitting other than a shagged alternator? I don't want to replace it only to discover it's still not charging.

Is there a way to test it while it's on the car?

 

The non-charging is accompanied by an electrical systems fault message.

TIA

[tooSavvy]

I'm in the York Retail Park ATM. I see a shop 'Animal' with the strange logo...

 

Why do Toyota trucks seem to be 'showroom' with this logo??

 

Outdoor/ tough clothing link... mebbies ??

 

 

TS

[FakeConcern]

A friend of mine (has a Ford Explorer and Mazda RX8 and previously had many interesting cars) asked me to name a 4X4 that has a petrol engine. I instantly reponded "Subaru Impeza" but he said that was cheating and he meant workhorse off road type thing. So what is there?

[dave21478]

L200s are available with a V6 pez. Triton, I think they call them.

 

Pajero comes with a V6 pez too.

 

You can get a 2 litre pez Discovery 2

 

Loads of "soft" roaders....freelander, sportrak, vitara, jimny.

 

In fact, there are loads of them.

[AMC Rebel]

Disco 3 can be had with 4.6 V8 Pez.

 

A few Disco 4 5.0 pez V8s were allegedly sold even though not officially listed.

 

Various flavours of V8 pez Land Rovers over the years.

[AMC Rebel]

Disco 1 and 2 V8 pez too.

[warren t claim]

Can you still buy a Transit or Land Rover Defender with a petrol engine?

 

Are there any cars available new with vinyl seats, keep fit windows or power steering?

 

Is it still possible to buy a new diesel car without a turbo?

 

All this talk about a petrol powered off roader reminds me of this post which started the whole thread off.

[DodgeRover]

A friend of mine (has a Ford Explorer and Mazda RX8 and previously had many interesting cars) asked me to name a 4X4 that has a petrol engine. I instantly reponded "Subaru Impeza" but he said that was cheating and he meant workhorse off road type thing. So what is there?

Ford Maverick

[AMC Rebel]

Ford Maverick

Mazda Tribute

[bub2006]

Didn't old hilux used to have a petrol engine model?

[Lacquer Peel]

Ssangyong Musso, 3.2 litre Merc straight six available.

[warren t claim]

Why do we still have clutches in cars? Surely the automatic transmission has evolved into a better and more reliable solution and for those who want to change gears themselves then why not have a fluid coupling? Surely topping up with oil is easier than replacing worn clutches and dual mass flywheels?