Rear ended..... eye watering repair costs

[E53AMG]

They do not print money, though; their money comes from their customers. The higher the claims they pay out, the more money they take from their customers. As one of those customers, I don't see you are redressing this in any way by taking some of my money...

Well you believe that if you want, personally 38 years and no claims against my own insurance yet premiums continue rising above inflation as well as doubling each time a moron drove into me (until I switched companies) tells me otherwise. If motor insurance was not compulsory premiums would be a fraction of where they are now, why do you think they like to ask what your current premium is before delivering their quote?

Sent from my SM-G955F using Tapatalk

 

[Deleted member 6183]

Well you believe that if you want, personally 38 years and no claims against my own insurance yet premiums continue rising above inflation as well as doubling each time a moron drove into me (until I switched companies) tells me otherwise. If motor insurance was not compulsory premiums would be a fraction of where they are now, why do you think they like to ask what your current premium is before delivering their quote?

Sent from my SM-G955F using Tapatalk

They don't.

 

[CJD]

Well insurers have been taking advantage of myself and others for years by increasing premiums well beyond inflation without any cause, reason or claim being made simply because they have can having a captive market due to government legislation, the way I see it I was redressing this by legally taking advantage of their own sheer incompetence.

If they did not have this licence to print money and were forced to run their business efficiently like other businesses this could/would never have occurred so morally I have absolutely no issue at all.





Sent from my SM-G955F using Tapatalk

Maybe, but it is because of instances like this that everyones policies are going up even when we don't make any claims ourselves.
If you are happy to play the game and abuse system, then that is up to you, but I'm afraid my moral principles wouldn't allow me to do the same.
But we are all different, and I'm sure you enjoyed your Jag for a while - and inadvertently pushed up the prices again.

 

[E53AMG]

They don't.

They ask me just before delivering their quote over the phone.

Sent from my SM-G955F using Tapatalk

 

[Benzmanc]

Mine went down quite a bit this year £305 comprehensive with a £20 fuel voucher too

 

[E53AMG]

Maybe, but it is because of instances like this that everyones policies are going up even when we don't make any claims ourselves.
If you are happy to play the game and abuse system, then that is up to you, but I'm afraid my moral principles wouldn't allow me to do the same.
But we are all different, and I'm sure you enjoyed your Jag for a while - and inadvertently pushed up the prices again.

Not everyone's just Direct Line policy holders and will continue to do so until they improve their working practices...

Sent from my SM-G955F using Tapatalk

 

[E53AMG]

Mine went down quite a bit this year £305 comprehensive with a £20 fuel voucher too

Direct Line?

Sent from my SM-G955F using Tapatalk

 

[Benzmanc]

Direct Line?

Sent from my SM-G955F using Tapatalk

AXA - DL wanted over £600

 

[E55BOF]

Not everyone's just Direct Line policy holders and will continue to do so until they improve their working practices...

Are you insured with Direct Line? Have you ever been?

If not, you effectively "redressed the situation" by taking other people's money from those other people's insurance company.

I'd stop digging now...

 

[Rory]

The damage is not limited to the broken metal (or plastic).

Not having a car (if you dont have another vehicle), having to spend some of your own time taking your car to the garage to be repaired - potentially having to take half day off work - are all consequential damages. Aa is being kept on hold for half hour when calling the other party's insurer. Or having an accident (albeit a no-fault one) recordes against you with your insurer.

One careless action or a moment of distraction by one driver can inflict quite a lot of inconvenience and costs on another driver, well beyond the physical damage (to the bumper, in this case).

This is part of the justification people use to pop in a cheeky "my neck hurts" claim. Popular rumour has it 3rd party companies will pay £1000 or so without question as it's not worth the hassle to dispute it.

I've seen mention a couple of times recently on forums of 3rd party insurers pro-actively offered a couple of hundred pounds for inconvenience if you let them handle the claim (so they can better manage the costs) - perhaps this is becoming a thing.

 

[E53AMG]

AXA - DL wanted over £600

Makes sense exactly as expected..

Sent from my SM-G955F using Tapatalk

 

[E53AMG]

Are you insured with Direct Line? Have you ever been?

If not, you effectively "redressed the situation" by taking other people's money from those other people's insurance company.

I'd stop digging now...

Yes I was insured once by DL, they hiked my premium without cause so I left them. I assume you must be insured with them, if so suggest you shop around on renewal..

Sent from my SM-G955F using Tapatalk

 

[Deleted member 6183]

Some of you might be pleasantly surprised at renewal.

 

[Justintyme]

This is part of the justification people use to pop in a cheeky "my neck hurts" claim. Popular rumour has it 3rd party companies will pay £1000 or so without question as it's not worth the hassle to dispute it.

I've seen mention a couple of times recently on forums of 3rd party insurers pro-actively offered a couple of hundred pounds for inconvenience if you let them handle the claim (so they can better manage the costs) - perhaps this is becoming a thing.

Rory, here in Ireland so-called "Whiplash" or "Soft Tissue Injury's" €20'000+........ Guaranteed , wont even get inside the courtroom...all settled on the steps.

 

[E55BOF]

Yes I was insured once by DL, they hiked my premium without cause so I left them. I assume you must be insured with them, if so suggest you shop around on renewal..

No, I'm with Admiral; very competitive on multi-bike and multi-car policies. I've never used Direct Line.

My only claim was some years ago, on a motor bike; hit by a lorry driver, eight broken ribs and broken shoulder-blade, week in hospital, bike written off. I declined any courtesy transport, because I had plenty of my own already, and was back in the office a month later; I took my legal responsibility to minimise my losses seriously. Perhaps I'm too honest for my own good...

 

[GeordieN]

I just find mostly there is no discount for loyalty these days.

 

[E53AMG]

No, I'm with Admiral; very competitive on multi-bike and multi-car policies. I've never used Direct Line.

My only claim was some years ago, on a motor bike; hit by a lorry driver, eight broken ribs and broken shoulder-blade, week in hospital, bike written off. I declined any courtesy transport, because I had plenty of my own already, and was back in the office a month later; I took my legal responsibility to minimise my losses seriously. Perhaps I'm too honest for my own good...

I did not sustain economic losses as DL offered to pay everything direct, I am well aware of my rights and legal responsibilities (I was a Litigation Lawyer at the time), maybe that effected my morals as it made me quite cynical of insurers ;-).

Sent from my SM-G955F using Tapatalk

 

[E55BOF]

Ah! A lawyer. NOW I understand...

 

[Scooby_Doo]

You can also claim for depreciation, generally work's out at 10%, but this figure can vary case by case. Because it has been damaged, and as such, is no longer "Original Condition".

My C207 was 6 days old when a Luton van couldn't stop in time , I tried all avenues to get some compensation as the car was so new , no joy at all.
The C207 had "active headrests" , brilliant things , so no whiplash for me or my wife . It's been over three years since the accident and the number of claims companies that tried to push us to claim for whiplash is unbelievable. Damage as below - no broken glass or lights - but the cross member behind the bumper had actually snapped, circled red. Cost of repairs -circa £6500

 

[Brian k]

Wow... that's tough luck Scoobs. Mine was a just a few scratches with no deformation apparent, so far anyway. I'll let folk know the outcome once MB have corrected the damage.