So my car was hit at the supermarket .....

[geraldrobins]

That would be impressive - it only happened this evening!

As soon as reasonably practicable after they have notified them in that case

 

[Druk]

Give it to Merc Edinburgh.

Great advice. To be specific; their body shop in Broxburn.

 

[geraldrobins]

Unfortunately when you advise your insurers even if its a non fault or no claim against your own insurance. They may make an admin charge as its a change of details.

 

[219]

Option 1 STEVE

Give it to Merc Edinburgh.

MB Edinburgh's body shop ( round the bypass on the South side of the city ) certainly did top jobs on my W123 and W124 estates the two times I was hit by other parties .

I did have to take my cars there to be examined and quoted , then dropped them off for repair . The first time I didn't bother with a loan car as I still had my motorbike at the time and just used it for the three or four days the repair took ; the second time I dropped my car off on a Monday , and the loan car supplied by the other insurer was there at the body shop waiting for me , and I returned it on the Friday when my own car was ready .

The first time ( with the W123 , when a landscape gardeners truck trying to go straight ahead in a left turn only lane clipped my near side rear wing , and the driver then failed his breath test and was arrested on the spot ! ) went through my own insurer , so I had to pay out £100 excess which took a year to recover .

The second incident where a car came down a slip road and rear ended me at a roundabout was the one where the other insurers phoned up within an hour and offered to pay for everything , so I notified my own insurers then dealt directly with the other side , taking up their offer of the loan car and paying nothing at all . I was asked if the loan car had to be automatic , an estate or a Mercedes , but I told them that anything would do for the few days , trying to be reasonable .

 

[219]

Unfortunately when you advise your insurers even if its a non fault or no claim against your own insurance. They may make an admin charge as its a change of details.

That never happened to me - I suppose it depends on your insurer .

 

[219]

Great advice. To be specific; their body shop in Broxburn.

Perhaps they have moved ? When I went to them they were somewhere halfway round the bypass on the south side - it was 20 odd years ago - but they were very good anyway .

 

[grober]

I would say it depends on the damage to an extent. You have explored option 1 and 2 but option 3 remains "theoretical" till you get more details and contact them to see if " depending on their attitude" 3 is remotely a possibility or a non starter . One thing to consider is that legally your contract is with your own insurer for repairs so things are relatively simple should the repair not be up to standard--- with the other arrangements your entering territory where a satisfactory result may be more down to all third parties acting in good faith.

ps http://www.ewarc.co.uk/
pps they have their own accident management group

 

[Deleted member 6183]

Is the other driver insured with Tesco?

 

[219]

I would say it depends on the damage to an extent. You have explored option 1 and 2 but option 3 remains "theoretical" till you get more details and contact them to see if " depending on their attitude" 3 is remotely a possibility or a non starter . One thing to consider is that legally your contract is with your own insurer for repairs so things are relatively simple should the repair not be up to standard--- with the other arrangements your entering territory where a satisfactory result may be more down to all third parties acting in good faith.

ps Accident Repair Specialist Bodyshop | Eastern Western Accident Repair Centre | Broxburn, Edinburgh
pps they have their own accident management group

Not entirely sure of the legal position , but I'd imagine that if the other party's insurer offers to repair your car due to their client's fault ( preferably putting the offer in writing ) then that constitutes a binding contract between them and you - and if there was any problem with the repair you should be able to go back to them just as you would with your own insurer ?

 

[grober]

Not entirely sure of the legal position , but I'd imagine that if the other party's insurer offers to repair your car due to their client's fault ( preferably putting the offer in writing ) then that constitutes a binding contract between them and you - and if there was any problem with the repair you should be able to go back to them just as you would with your own insurer ?

Absolutely- if ????---- they put it in writing.

 

[markjay]

....One thing to consider is that legally your contract is with your own insurer for repairs so things are relatively simple should the repair not be up to standard--- with the other arrangements your entering territory where a satisfactory result may be more down to all third parties acting in good fait...

This goes both ways.

The extent of your own insurer's liability towards damages and costs incurred by you as result of the accident will be based on the limits and restrictions imposed in the Policy.

The other-party's insurer on the other hand, has no contract with you, and as far as you are concerned they should simply indemnify you in full against any demonstrable damage or loss incurred by you due to their customer's actions, no ifs or buts.

 

[Druk]

Perhaps they have moved ? When I went to them they were somewhere halfway round the bypass on the south side - it was 20 odd years ago - but they were very good anyway .

Now in Greendykes Broxburn at a purpose built factory. Very impressive set-up.

 

[Druk]

..

 

[grober]

This goes both ways.

The extent of your own insurer's liability towards damages and costs incurred by you as result of the accident will be based on the limits and restrictions imposed in the Policy.

WHICH YOU HAVE IN WRITING SO YOU KNOW WHERE YOU STAND.

The other-party's insurer on the other hand, has no contract with you, and as far as you are concerned they should simply indemnify you in full against any demonstrable damage or loss incurred by you due to their customer's actions, no ifs or buts.

SO ALL ASSUMPTION TILL ITS IN WRITING----- simply based on the fact that insurance companies may have started out with philanthropic motives way back in the past but are not usually associated with these characteristics now.

 

[LTD]

Decision made.

Binned option 2 after calling them. The repairers that they suggested were not MB Approved.

Other parties insurance company aren't opened today so I have placed with the non-fault team at Admiral who were very nice and the car will be going into Mitchell Inglis sometime soon.

I'm well aware of the good reputation of the repairers in the Edinburgh area but work at this time of year makes the process a big of a nightmare for me.

Since Mitchell Inglis are approved by Bentley, Maserati, Porsche and MB amongst others, I'm pretty sure they will do a fine job of my car.

They might even wash it !!!!!

 

[grober]

Insurance work for car body repairs in Glasgow - Mitchell Inglis

looks good.

 

[219]

So , how badly was the car damaged ?

Parking type 'ding' , or a bit more ?

 

[markjay]

SO ALL ASSUMPTION TILL ITS IN WRITING----- simply based on the fact that insurance companies may have started out with philanthropic motives way back in the past but are not usually associated with these characteristics now.

As I said.... it works both ways.

When claiming off your own insurer, what you are entitled to is relatively limited but well defined.

When you claim off the other-party's insurer, you have nothing in writing with them, but for the same reason the extent of their liability towards you is only limited by the extent of damage you suffered (or any limit on the other-part's policy)...

So you can claim more off the other-party's insurance then you can claim off your own (because there is no contract between you and the other-party insurer limiting their liability), but in theory it may be more difficult to do so.

I say 'in theory' because in the past decade or so it has actually become very easy to claim off the other-party's insurer.

This is because Accident Management firms have been exploiting this loophole and taking insurers to the cleaners.... claiming on behalf of the injured party for ecah and every conceivable damage.

The result is that insurers these days are very eager to settle third-party claims quickly and before any clever solicitors get involved.

In one such case I was surprised to receive call within the hour(!) from Direct Line offering me everything from main dealer repair to same-vehicle hire and all at their expense. They were very keen for me to agree to these proposals asap (i.e. before I get the call from a friendly Accident Management firms who will surely claim for much more than I was happy to accept at that point...)

 

[LTD]

So , how badly was the car damaged ?

Parking type 'ding' , or a bit more ?

Rear offside. Scraped bumper, rear wing/arch and scuffed alloy. Not something that can be buffed out

Glad it's a coupe with no rear door over the arch !

 

[TheFoX]

Rear offside. Scraped bumper, rear wing/arch and scuffed alloy. Not something that can be buffed out

Glad it's a coupe with no rear door over the arch !

Even so, if it their fault, they pay for it. Why should be have to buy a vehicle based on what we perceive others may do to it.

I find there are two types of people in this world; those that give a damn and have a conscience, and those that don't give a donkey's balls for anyone but themselves. It is so nice when someone damages your prized possession and takes responsibility for their actions. I have met the other type and they are the most unpleasant vermin we have the misfortune to deal with, blaming others for their own shortcomings.