Yet another accident

[DSM10000]

She’s already given her reasons for wanting to retain the car.

I know. It doesn't mean that we have to agree with those reasons. I see it as irrelevant.

 

[HappytalkAgain]

I know. I see it as irrelevant.

Not to her it isn’t.

 

[DSM10000]

Not to her it isn’t.

 

[Diana1990]

I can say without doubt, had this happened to any other car I have owned, I'd not care what the outcome. But as stated, something people keep failing to understand... Is the sentimental value behind the car of which no one will understand, not should you have to. All you need to know is that it is of high personal value to me that you won't ever understand and it links back to my mother who I lost nearly 2yrs back. Funny how the idoit who hit me doesn't seem to get any blame here, wierd that. Let's all go hit a car and watch the at NO fault party get blamed.

 

[Diana1990]

I know. It doesn't mean that we have to agree with those reasons. I see it as irrelevant.

You don't have to agree. That's fine. I didn't ask you too. We all are the reason premiums go up. Simply getting into a car shoots prices up. Should we blame people wanting to drive as reasons why insurance costs more...

 

[DSM10000]

Not to her it isn’t.

I can say without doubt, had this happened to any other car I have owned, I'd not care what the outcome. But as stated, something people keep failing to understand... Is the sentimental value behind the car of which no one will understand, not should you have to. All you need to know is that it is of high personal value to me that you won't ever understand and it links back to my mother who I lost nearly 2yrs back. Funny how the idoit who hit me doesn't seem to get any blame here, wierd that. Let's all go hit a car and which the at NO fault party get blamed.

So the person that hit your car is an "idiot"?

We have previously established that you (and virtually everyone here) is not without blame in their
driving history but you feel justified in throwing around insults when it suits!

It is just a car, the only important factor is that no one was injured.

A sense of perspective is called for.

 

[DSM10000]

You don't have to agree. That's fine. I didn't ask you too. We all are the reason premiums go up. Simply getting into a car shoots prices up. Should we blame people wanting to drive as reasons why insurance costs more...

Getting in to car doesn't increase premiums . That is a ridiculous statement.

 

[Diana1990]

So the person that hit your car is an "idiot"?

We have previously established that you (and virtually everyone here) is not without blame in their
driving history but you feel justified in throwing around insults when it suits!

It is just a car, the only important factor is that no one was injured.

A sense of perspective is called for.

Yes.. An idoit. Especially when he admitted to not paying attention, to not looking. His first words to me were 'sorry, I wasn't even looking at your car'. Anyone saying that after they have rear ended you deserves all the higher premiums they can get. Sorry, but to be sooo nonchalant about not paying attention when driving deserves a few stern words.

I am guilty too of being a stupid driver one time or another. Never hide that fact. But I grew up and understood the importance of paying attention when driving.

 

[DSM10000]

Yes.. An idoit. Especially when he admitted to not paying attention, to not looking. His first words to me were 'sorry, I wasn't even looking at your car'. Anyone saying that after they have rear ended you deserves all the higher premiums they can get. Sorry, but to be sooo nonchalant about not paying attention when driving deserves a few stern words.

I am guilty too of being a stupid driver one time or another. Never hide that fact. But I grew up and understood the importance of paying attention when driving.

So you cannot differentiate between them and you?
Classic!

 

[Diana1990]

So you cannot differentiate between them and you?
Classic!

I was one. But we then need to understand right that happened, I need to change my attitude to driving. He had his young child in the front seat. I mean that says it all.

 

[DSM10000]

I was one. But we then need to understand right that happened, I need to change my attitude to driving. He had his young child in the front seat. I mean that says it all

I was one. But we then need to understand right that happened, I need to change my attitude to driving. He had his young child in the front seat. I mean that says it all.

That doesn't make any grammatical sense.

The child being in the car could well explain why that person was distracted!

I really cannot be bothered to carry on with this debate. You have a very limited intellectual view and an even more limited ability to discuss it in any meaningful way so best to ignore any of your future posts on this

 

[ALFAitalia]

I can say without doubt, had this happened to any other car I have owned, I'd not care what the outcome. But as stated, something people keep failing to understand... Is the sentimental value behind the car of which no one will understand, not should you have to. All you need to know is that it is of high personal value to me that you won't ever understand and it links back to my mother who I lost nearly 2yrs back. Funny how the idoit who hit me doesn't seem to get any blame here, wierd that. Let's all go hit a car and watch the at NO fault party get blamed.

Insurance companies don't deal in sentiment....just money....if they wanted to right it off no amount sentiment would have stopped them.

 

[markjay]

I assume you received an Audi A3 because you have ‘like for like’ curtesy car cover?

Not exactly - the OP had no 'cover' as such - because the OP was claiming as 3rd party off the other driver's policy.

As 3rd party, the OP is entitled to full restitution, and that's where the ‘like for like’ comes from, and not from any 'cover' that the OP had.

 

[markjay]

Indeed. But that’s the whole point of being insured. ‘To be put back in the position they were before the incident’. That’s why we pay for insurance. So, her policy has fulfilled its purpose. The sums are in their control.

To blame the OP’er for high insurance premiums is bizarre. She’s as much to blame as anyone else who’s ever made a claim.

Firstly, the OP's own motor insurance policy has nothing to do with it. The OP would have been entitled to exactly the same even if the OP's own vehicle was uninsured.

Then, regarding 'To be put back in the position they were before the incident', from the legal perspective both a repair or a write-off and payout that allows the injured party to buy a like-for-like replacement are considered adequate. It's at the insurer's discretion which of the two they choose apply. What happened in this case, was that the OP found a 'loophole' (going through an accident management firm) that got the car repaired even though it was beyond economic repair.