Landrover Hit me :(

[yogibear]

Well i thought id let you know whats happened to my pride n joy ( Life ) . Was in halfords two saturdays  "15th march" ago buying some wet n dry as im polising everything under the bonnet at the mo and a till girl cam over n said a landrover has just hit your car. Started to leave and an old guy came in and said he had just hit it so we went out to have a look. He had hit the left side wing knocking the whole front end over bout 1/2" there is a hole in the left wing and cracks in the bumper and in the right wing + he has effectivly curbed the top 1/3 of the left front wheel.

He owned up streight away and seamed pretty upset bout it. He was a pretty old chap n he had come n owned up to it so there was no point giving him a hard time.

So the insurance assessor comes out yesterday to look at the car as hes been away on holliday. Thinks its repairable ( obviously ) but as its painted in a one off colour it cant be matched with in being a candi / pearl mix.

Not a happy bunny, took me two years to get it to this stage and now im gonna have to start all over again. The insurance company are mucking me about allready . Had to ring them after the assessor had been as he had to confirm that the car was undrivable ,( doesent go streight anymore ) . They said cos id taken 12 days to get it assesed they couldent give me a courtosy car as it had to be assessed within 10 days. Couldent believe this rubbish there assessor was on holliday I was available the whole time to have it assessed .

They are saying they will only replace the damaged alloy as well not the set which is no use to me as volk dont make the alloys anymore and i havent seen another set in this country either.

As you can tell im pretty ****ed off with it all, its totally blown my show season, was going to donny ( ISTS ) next week where the car was on a show stand and had track time booked as well.

[Aceman]

IIRC you\'re perfectly entitled to have the car returned to it\'s original conidition prior to the accident..

This implies if the paint cannot be matched, then they should fork out for a complete respray in identical colours..

Similarly, they are within their rights to offer you one wheel, so long as it\'s part of your matching set. Otherwise they should replace all wheels..


Had similar years back in my escort, and they couldn\'t paint match the front bumper and so forked out for an entire car respray under their duty to return my car to a pre-accident condition..


Not 100% sure on legalities of it all, but he hit you and you should be entitled to claim any work necessary (unless they deem it\'s above right-off costs) to return the car to a pre-accident condition...

[Gatesy]

Really gutted for you mate.  Who\'s your insurance with?  Sounds like they are not doing stuff in your best interests.

[yogibear]

AON , allways been with them cos of the club discount.

I was under the impression they had to return the car to its preaccident condition as well.

[batman]

give a company called "help hire"  a ring if its definatly his fault you pay 10 quid for an insurance against the loss the come get your car and take it from there then recover the loses with hire car did it for me a while ago very quick very helpfull

[Aceman]

AON , allways been with them cos of the club discount.

I was under the impression they had to return the car to its preaccident condition as well.

It\'s not AON who are/should be repairing the car - it\'s the old guy\'s insurance company.

Has he/they admitted liability yet?

If so, take it to a local garage(s) and get some quotes for back to preaccident condition (at least 3 quotes). I\'m pretty certain you can then go to the old guys insurance company and point out that you want the car "as was before he hit you and it it\'ll cost XYZ. Can you go ahead?"

Other option would be to put it in for repair, get it done, and then go after him via small claims court. You have to have tried all other means to get your car back to conditon though (through his insurance company) otherwise it\'ll get laughed out of the SCC..

[Nik da Greek]

Don\'t waste time talking to your brokers, once they have your money, their interest in you ceases. Get the name and phone number of the person dealing with your case at your actual insurance company and then phone them EVERY day to politely hassle them along. e.g. "Oh, you haven\'t had a chance to speak to Mr Landrovers\' insurers to check their progress yet? OK, I\'ll ring back in half an hour when you\'ve had time to give them a bell" It\'s amazing how fast they can move when they want to, ie to get rid of you! This is what I did when they wrote off my last FD, and I got it sorted within a month.
 
Also, don\'t let them fob you off with b*ll*cks about having to use their own approved repairers, this is just a system of backhanders for the boys. Make the point that no-one but an RX-7 specialist knows ****all about them, and insist on them using your own repairer. Same goes with the respray, especiallly if you know who it was who painted the car originally, make them take it back to him. And for god\'s sake, don\'t let them take it away "for evaluation" or any other spurious excuse, if they haven\'t already. There\'ll be tectonic plates moving faster than your case once they have it in storage (mmm, lovely £80 a day fees from their storage lot company).
 
 They\'ll only have to replace the alloy with like if you declared it to them on the policy, otherwise you may end up with a standard one (if at all)!
 
Best of luck with it all, hope it works out ok. Should have had a go at the old fool anyway; if he can\'t negoitiate a Halfrauds car park without smashing into stationary objects, how the hell can he be fit to drive on the road, where things move about!

[D2BBA]

Chin up mate

Let us know how you get on.

Oh, and the fit on he RE A kits a second to none.  If you go down the route of the new kit (as per email) then you wont find a problem :Thumbs-up

Chris

[Sy.]

Insurance companies are complete bas********ards !!!! im still fighting for monies after almost 6 months ...

You have to keep at them . And if you got like for like they have to fix it.

[Alison]

So sorry to hear this.  I know how you feel!

[James B]

Bummer ....... yeh, what is it with carparks, my FD has been knocked twice in a car park, not as serious as yours though.

Surely if your paint job and wheels were declared then they have no case ........ they might have a case if they weren\'t ...... ??

J.

[yogibear]

Well I spoke to the assessor again today , not a helpful conversation. Hes saying he has to justify all of the repair costs and it cant warrent a full respray and they only need to replace to one wheel. Im taking legal advice of this as it just isnt on. I looks at this stage that this is gonna end up in court the way its going. Dont understand all of the body shops are saying they cant match the colour and it needs a full respray but they cant justify it.

Everything on the car is declaired, they were told when I took out the policy the paint job, the body kit , the wheels the whole lot . I insured it on an agreed value of 12K which they agreed to. I bought the car for 7.5K and ive put 8K into it in parts over the past 18months. All the work apart from the body work ive done myself fitting reurbed turbos blitz front mount c-west lights, If a vendor had been doing it for me the labour would probably have been 4-5K.

Heres a pic of what it looked like on the way to Fast & Modified 07 where the car was in the top 50 cars in GB to give your some kind of idea of what I had it looking like.

[Van]

Unlucky mate

If they cannot justify a full respray then tell them that you want the £12k that the car is worth!!! I\'m sure they\'ll quickly change their tune. Do not give in mate- hang in there.

[yogibear]

I can see the way it is going ending up in a battle for me to get it repaired. They dont seam to understand how much time and money has gone into the car to get it to the condition it was in. I had been asked by Fast Car if they could feature it and Banzai were intersted in it as well. Gonna fight to get it restored properly, think it will take quite while.

[cyman]

so you are claiming directly from his insurance. if so they have to put the car back to original condition if you arent claiming from them direct why not??
 
the assesor works for them not for you. tell them you cant find a single wheel, give them the make and model so they can check it if they cant supply a brand new replacement they have to replace the lot.
 
i had a similar problem with a 200sx i got hit from behind.as it was low mileage in excellent original condition. they ended up giving me the full repair costs of my designated repairer less the vat and i got it sorted myself.
 
all i did to my insurer was inform them and then claimed and comunicated directly with the other drivers insurance.
 
remember it is there insured drivers fault they have to pay all you are doing now is argueing how much.
 
good luck, dont take any bull**** and if you need to get legal advice its worth the phone call (normaly you get this with your own insurance) know your rights and stick to them they dont have a lot of choice after that.