The Insurance Company are NOT Happy

QFour

QFour

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After being hit while parked in a petrol filling station the other parties Insurance have just had a quote for repairing the damage to our SWIFT MH and they are NOT HAPPY ..

FJ12AAX Rear Side Damage.jpg FJ12AAX Side Damage.jpg E Type Jag Damage.jpg

It would appear that the cost of repairs is going to be considerably more than the E-Type ..

They plan to remove the side skirts and the wheel arch cover but they also have to replace the two end parts as they normally break when you try to remove them. They say that the cost of the parts is astronomical.

The Loss Adjusters they have now appointed at extra cost seem to think that repairing a couple of bent panels on a FIAT DUCATO can be done by most garages and have suggested I could get a quote from Vic's Autos. I then pointed out that it was not JUST a FIAT DUCATO that it was a little bit more than that. They then suggested that it may be possible to get the parts required from elsewhere so I said who do you suggest HYMER .. It all fell on deaf ears and I am to expect a visit between 8am and 4pm when I can talk to the Loss Adjuster. I said that I had no intentions of taking more time of work to speak to him.

I also suggested that if it was going to go on much longer they could collect it at their expense and leave me with a suitable replacement MH while it is away at whichever repair center they want to take it to.

She accused me of being difficult ..

Now if it had been a normal accident and I was in some way responsible for some of it then I would expect to have to jump through the odd hoop but this guy could not wait and tried to squeeze between us and another car also filling with petrol. After he hit us he just carried on and parked by the pump. When I asked for his insurance details he just said the wheel had slipped in his hands and he had lost control. He also pointed out that it was going to cost considerably more to fix his than ours. Evidently he has not heard of SWIFT parts prices.
 
Sounds like the beginning of a long saga, none of which was of your making! Wish you luck...stick with it! Someone should tell the e-type that patience is a virtue!
 
You would think that someone who drives a classic car like that would show a lot more care than he has shown.I hope you get the right outcome from the Insurance company without too much disruption to yourself,your van looks very new ,you must be gutted

All the best Neil
 
you have my sympathy. why do people assume they are dealing with vans when in many instances the value and cost of repairing motorhomes far exceeds that for most cars. good luck.
 
Do not let them bully you, a mate runs a body shop but he used to work for the insurance companies. He will simply take the vehicle and paperwork and a week later you get the vehicle fixed and the claim sorted. Give the insurance company the warning that if they do not get things underway in say 5 days you will employ a loss assessor. Do a google, but these guys work for you and get paid by the insurance company so are at no cost to you, yes it puts up the cost of the claim but in this case whose fault is that
 
and tell them it had better be up to hymer standards and not just a rub down,filler and paint job as that is not acceptable make note of your time and phone calls and lack of usage
 
It is your van and you have the legal right to have it fixed at wherever you want.
Don't let them take your vehicle away and get it fixed with the correct parts at a recognised garage. As its not your fault they have to pay for everything.
 
I suspect you have fully comprehensive insurance?, if so contact your insurance company, and ask them to sort it out, giving them all the information, they should be able to arrange all repairs (to the correct standard), and reclaim all costs against the other party, after all that is why we pay for fully comp insurance, to minimise our inconvenience and costs should we be involved in an accident
 
All their faffing about has cost them a fortune already. If they spent less on advisers, adjusters and the like and just payed up when it is obvious they will have to. We would all be paying less for our insurance and you would have been back on the road by now.

Aah Nothing like a good Rant in the morning:)

Richard
 
get some big guns

User1 said:
After being hit while parked in a petrol filling station the other parties Insurance have just had a quote for repairing the damage to our SWIFT MH and they are NOT HAPPY ..

View attachment 17152 View attachment 17153 View attachment 17154

It would appear that the cost of repairs is going to be considerably more than the E-Type ..

They plan to remove the side skirts and the wheel arch cover but they also have to replace the two end parts as they normally break when you try to remove them. They say that the cost of the parts is astronomical.

The Loss Adjusters they have now appointed at extra cost seem to think that repairing a couple of bent panels on a FIAT DUCATO can be done by most garages and have suggested I could get a quote from Vic's Autos. I then pointed out that it was not JUST a FIAT DUCATO that it was a little bit more than that. They then suggested that it may be possible to get the parts required from elsewhere so I said who do you suggest HYMER .. It all fell on deaf ears and I am to expect a visit between 8am and 4pm when I can talk to the Loss Adjuster. I said that I had no intentions of taking more time of work to speak to him.

I also suggested that if it was going to go on much longer they could collect it at their expense and leave me with a suitable replacement MH while it is away at whichever repair center they want to take it to.

She accused me of being difficult ..

Now if it had been a normal accident and I was in some way responsible for some of it then I would expect to have to jump through the odd hoop but this guy could not wait and tried to squeeze between us and another car also filling with petrol. After he hit us he just carried on and parked by the pump. When I asked for his insurance details he just said the wheel had slipped in his hands and he had lost control. He also pointed out that it was going to cost considerably more to fix his than ours. Evidently he has not heard of SWIFT parts prices.
Click to expand...

hi my advice is get some professional help. Insurance companies treat you completely different when you have got some big guns and let them know your not afraid to use them
Accident Managment -*Home
Check out the link and good luck
Cdmoreear
 
there is a difference between damaging something YOURSELF or having it damaged by somebody else. Why should I put up with a repaired part when (under my care) I had an undamged part all the time? Sure a few things can and should be repaired if the replacement of part is getting diffcult and may result in even more damage.
But then I expect compensation in money for the loss of my vehicles value. I can hear a future buyer " can't pay you that price because it's REPAIRED...."
 
So in order to prevent or minimise loss.what do you do in the original situation? Don't take the van out? In any case the claim is not for 'betterment' but a repair. If I were the owner of a classic such as the 'E' type involved.I would either drive it VERY carefully or take it to shows on a trailer.
Repairs to a coachbuilt vehicle are beyond the realm of a panel beater and sprayer. The question here is that the insurers are attempting to shirk their responsibilities.
 
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User1 said:
After being hit while parked in a petrol filling station the other parties Insurance have just had a quote for repairing the damage to our SWIFT MH and they are NOT HAPPY ..

View attachment 17152 View attachment 17153 View attachment 17154

It would appear that the cost of repairs is going to be considerably more than the E-Type ..

They plan to remove the side skirts and the wheel arch cover but they also have to replace the two end parts as they normally break when you try to remove them. They say that the cost of the parts is astronomical.

The Loss Adjusters they have now appointed at extra cost seem to think that repairing a couple of bent panels on a FIAT DUCATO can be done by most garages and have suggested I could get a quote from Vic's Autos. I then pointed out that it was not JUST a FIAT DUCATO that it was a little bit more than that. They then suggested that it may be possible to get the parts required from elsewhere so I said who do you suggest HYMER .. It all fell on deaf ears and I am to expect a visit between 8am and 4pm when I can talk to the Loss Adjuster. I said that I had no intentions of taking more time of work to speak to him.

I also suggested that if it was going to go on much longer they could collect it at their expense and leave me with a suitable replacement MH while it is away at whichever repair center they want to take it to.

She accused me of being difficult ..

Now if it had been a normal accident and I was in some way responsible for some of it then I would expect to have to jump through the odd hoop but this guy could not wait and tried to squeeze between us and another car also filling with petrol. After he hit us he just carried on and parked by the pump. When I asked for his insurance details he just said the wheel had slipped in his hands and he had lost control. He also pointed out that it was going to cost considerably more to fix his than ours. Evidently he has not heard of SWIFT parts prices.
Click to expand...

As usual they are quick enough taking your cash , the insurance companys know how much these campervans cost to repair , he's trying it on , don't let them string it out give them an ultimatum ( GET ON WITH IT !! ) ,if he doesn't send him a solicitors letter that is normaly enough , Shawbags.
 
FWIW, I have had ABS weld repairs to a panel on my MH & one on a broken hood cover on my wife's Saab, I defy you to be able to spot either repair. In both cases the cost was about 10-25 quid vs cost of 100's for a replacement part or several tens for a used part (the MH panel was not available either used or new at any price)

My own insurance company (LV) offers an uninsured losses service for pursuing claims against negligent third parties - this doesn't affect your no claims.
 
Update

Talked to selected repair garage today their estimate for the whole job is just under £1800 including Vat. That is to remove the side panels clean and refinish. The paint on them is rubbed through so no filler required just cleaning and 2 pack finish to match. The front side skirt needs removing as it has a slight bend in it and needs to be reseated.Supply and fit a new wheel arch trim as the one that is on will cost more to repair than fitting a new one. They also need to replace the ends of the panels as they normally break when you try to remove them. They are rather thin ABS material. The Repair Garage recons I should take it to a SWIFT Agent and give the Insurance Company the bill for new side pieces as well. The back one is £900 + Vat the front one is £1200 + Vat and Brownhills charge £60 an hour. Add to that the other bits wheel arch trim etc and you are looking at a bill of perhaps £3000 + the cost of a loan vehicle.

I told the Insurance Company today that it either goes to my selected repair garage for repair or I will take it to Brownhills and leave it with them till its fixed BUT we have holidays booked so I will need a MH while they are repairing it and we all know how long these simple little jobs take.

At least the repairer I have picked only needs it for a week. They will collect it and deliver it back when its done. Parts take about 3 weeks to arrive.
 
nice one bud stick to ya guns they wanna get arsey its gonna cost an arsey price... looks like ya got it nicely under control .....KUDOS mate
 
Ultimately these huge repair bills for small scrapes feed back to the underwriters and mean increased premiums for all of us next year.
 
you haven't sold a lot of vehicles lately? I mean in the UK and not 15 years ago in the Desert. I am not asking for betterment or a profit, just for the loss I have suffered. I look after my vehicles and make sure they are in as good condition as they can be. If somebody doesn't take the same care for MY belongings, then pay up!
Just when I look at my car when washing it makes my blood boil, a new car park dent almost every month from people open doors without care. And you get a lot of devaluation and moans for this from a buyer.
Suddenly the car is worth a lot less because it has "not looked after". Well by me it has.

Dealing with insurance is garanteed to make a loss for one. My wifes car got written off when a caravan on the motorway lost a wheel and hit her with 70mph. Even they asked for the value of the car and I could prove that there wasn't a comparable vehicle for sale in the whole of UK for the price they paid for it, they only paid what the "glass guide" listed. My wifes car was in prefect condition, well cared for with almost no dents and shiny paintwork. She ended up with a lesser spec car and 2k out of pocket.

That's why I am asking for compensation. To cover the LOSS I make because of some careless individual.

PS when we insured the new car I almost lost it on the phone to the insurer when they insisted I tell them the value of the car. What's the point I asked her, YOU have already decided what it's worth. If it happens to be that I have paid LESS than the glass guide is saying the car is worth, have a guess what happens when it gets written off....

If the insurance would treat us with some respect and some sort of fair, I would do the same in return. As long as they try to rip me off, I am not willing to back down.

And don't say "this is why we all pay so much for insurance". It's because some people DAMAGE OTHERS property and they have an insurance to pay for it. So pay TWICE for what they damage. Your loss and increased premiums
 
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We had a school run mum pull out into the passenger side door our our 4x4
There was no damage to our tank ,other than a clean patch on the door trim lol
There was slight scuffage on her bumper that would t-cut off so we decided not to claim and put it down as 'one of those things' although we did inform our insurance as you are meant to but asked them not to take the matter further .
Next thing we know ,she is claiming against us!!!!! Turns out she didnt have the guts to tell her hubby what really happened !
 
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