Grazer Posted September 25, 2003 Share Posted September 25, 2003 This is the latest installment of my crash claim saga. The insurance company received the assessors report today which included the fact that I have tinted wwindows. I had forgotten (genuinely) to inform my insurance company about this particular modification (I told them about everything else). They are now saying that they have to refer the case to their underwriters to see if they can authorise the repairs. How bad is this? Can they tell me that my insurance is invalid because of an undeclared mod? I am feeling very anxious! Quote Link to comment Share on other sites More sharing options...
pulse Posted September 25, 2003 Share Posted September 25, 2003 I don't have any advice to give, as I don't know this particular arena, however I hope it all works out for the best for you mate. -p Quote Link to comment Share on other sites More sharing options...
Soonto_HAS_soop Posted September 25, 2003 Share Posted September 25, 2003 I don't know what insurance co. you are with but some are a complete arsse! A friend of mine had a crappy ford a couple of years ago, and he had an accident, the insurance company refused to pay out, because he had stuck in aftermarket rear headrests without informing them!! Now that just seems completely anal to me, but he got stuck with the costs to fix it. I hope your insurance co. isn't quite as anal as his was. Ben.. Quote Link to comment Share on other sites More sharing options...
Grazer Posted September 26, 2003 Author Share Posted September 26, 2003 Just spoke to the underwriters. It turns out the assessor had said in his report that the windows were very heavily tinted, with little light penetration. What a wanker! They are only 15% tints! I have faxed over the receipt which proves that, so there is no problem. Now the repairs have been approved I need to try to work out the best way to get it fixed. Yet more hassle! Someone said it before - don't crash your Supe, it's really not worth it Quote Link to comment Share on other sites More sharing options...
SkyJawa Posted September 26, 2003 Share Posted September 26, 2003 Glad ya got it sorted Quote Link to comment Share on other sites More sharing options...
Patrick_Devlin Posted September 26, 2003 Share Posted September 26, 2003 "It turns out the assessor had said in his report that the windows were very heavily tinted, with little light penetration." What an idiot. Obviously the "heavy tint" was what caused someone else to crash into you wasnt it... Quote Link to comment Share on other sites More sharing options...
AJI Posted September 26, 2003 Share Posted September 26, 2003 If it wasn't your fault then your insurance company doesn't need to pay out. Everything is claimed on the insurance belonging to the guy at fault. Thats the way I've always understood it to work. Therefore I can't see window tints having any effect on the outcome IMO, but then I'm no expert in the matter. If the other guy hasn't admitted liability then it's upto the insurance companies to establish blame in which it could go either way because they are all a load of incopetant bar-stewards. That's also my own opinion, as I've heard of loads of cases where people at fault have simply got off without paying a damn thing. Good luck with your claim, hope it works out for you. Quote Link to comment Share on other sites More sharing options...
SKI Posted June 11, 2004 Share Posted June 11, 2004 Simple answer.... Never ever deal with your own insurance company if it's not your fault... EVER, I wouldn’t even tell them, it effects your renewal even if you protect your no claims dude! Get a private solicitor, close your claim with whichever asshole your insured with and get your solicitor to manage the costs. Do this immediately, regardless of what point you are along the process, and don’t EVER accept their authorised repair agents, if it’s not your fault, you choose the mechanic (may I suggest C.W he is the business, get your solicitor to arrange it all) You also get YOUR OWN engineer (of course) to assess the costs, you get it fixed your way, not most economical repair… Some asswhipe hit me up the ass the other day, after deciding not to kill him or dismember his lame ass, I went private, my insurance company were gutted when I told them to close the claim, only cos’ (ignore my paranoia) they all work together and agree repair costs at the cheapest shitest level. (sorry if I sound bitter, call it experience of being ripped of by the bastards) Now I’m getting the full monty off the other guys policy…. Plus a nice little whiplash claim…. Oh ah my neck hurts, insurance is legalised extortion, don’t let the maggots do you man… See a private brief and get them to sort you out!!!! My car will look better after the repair, not worse as is usually the case, go private and you have less worries. SKI Quote Link to comment Share on other sites More sharing options...
Darren Posted June 11, 2004 Share Posted June 11, 2004 Ski has a point my car was hit and I never even told my insurance company. Just claimed off the other parties insurance all went through no grief. Quote Link to comment Share on other sites More sharing options...
dangerous brain Posted June 11, 2004 Share Posted June 11, 2004 Don't you legally have to declare things like claims regardless of who's fault it is. Quote Link to comment Share on other sites More sharing options...
Gordon F Posted June 11, 2004 Share Posted June 11, 2004 Originally posted by dangerous brain Don't you legally have to declare things like claims regardless of who's fault it is. Yes you do. You have to inform them of any accidents or convictions when they happen, not just at renewal time. Quote Link to comment Share on other sites More sharing options...
SKI Posted June 12, 2004 Share Posted June 12, 2004 Yeah, you may have to inform the parasites, that doesn't meen you have let them arrange the repairs for you (and would be stupid if you did, most Toyota garages don't understand Supes, afterall their mechanics may not have seen one for a good few years), that's when it comes inuseful to know a good mechanic, body shop and solicitor to sort it all out for you, like I said, I told Tesco what had happened, and then organised all the repairs directly, they tried to talk me out of doing that, even to the point of getting a bit shirty, clearly it's not in the interests of their "most economical repair bullshit policy" if the customer does it that way!!!!! Obviously you cant use this approach if it's your fault or the third party in uninsured... In the case of the latter you may need to resort to other forms of persuasion SKI Quote Link to comment Share on other sites More sharing options...
Suprash Posted June 13, 2004 Share Posted June 13, 2004 Originally posted by Grazer Someone said it before - don't crash your Supe, it's really not worth it Or maybe it is, as we all like to push the boundaries, and at that moment before you crashed no doubt you could have been pushing those boundries......(Excuse me, Im stoned, thinking about high speed runs, ala Get Away in Basingstoke). :innocent: Quote Link to comment Share on other sites More sharing options...
Grazer Posted June 13, 2004 Author Share Posted June 13, 2004 Can't quite work out how this 9 month old thread got resurrected All the repairs were done satisfactorily by the insurance company's repair garage, and even now liability hasn't been settled. The lawyers reckon I'm in the wrong as even though the stupid bint was performing an illegal manouvre on a roundabout, I should have been aware of her and avoided the collision. Fcuking lawyers and insurance companies. Anyway, I'm not bothered as I am with a different insurance company now, so it wont affect my no claims unless I tell them about it. And I'm not going to be doing that Oh, and the collision speed was approx 25mph, so there wasn't much boundary pushing being done - I thankfully have never had an incident during boundary pushing Quote Link to comment Share on other sites More sharing options...
Suprash Posted June 14, 2004 Share Posted June 14, 2004 mmmmmm, didnt realise this thread was so old........... No boundary pushing Eh, thats when crashing isnt worth it....... Quote Link to comment Share on other sites More sharing options...
Grazer Posted June 14, 2004 Author Share Posted June 14, 2004 Originally posted by Ashley Willis No boundary pushing Eh, thats when crashing isnt worth it....... Tell me about it - 3 crashes in 1 year - all under 30mph :flame Dev Quote Link to comment Share on other sites More sharing options...
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