Re: Insurance query
I used to work for an insurance so I hope this may help...
normally on the claim you have to say if there is outstanding HP ie 3rd part interest, in the event of a total loss any excess is deducted then the 3rd party is paid, if there is a balance you will get the extra.
I assume the other driver was at fault??? if so you will need to claim any excess back from his/her insurance company, did you have legal cover? If so they will do all this.
If not its quite a simple matter to get it back, well it is if your not to blame, however if the other driver disputes blame then its a whole different ball game.
You may well be able to get car hire if your car is not road worthy, however the car needs to be no bigger than what you had ie you cant get a Jaguar and you need to get advice on if you might qualify..
Did you have protected bonus?
The final insult is what you may get offered...your pride and joy may be worth 'X' to you, but the insurance company will offer book price not top price, thats unless you took out an extra cover on your policy.
Worst case is, excess paid, HP is paid or mostly paid and you dont have anything over or even end up with a debt...
did you or anyone else in the car get hurt, need hospital treatment, see a doctor or have time off work.
Sorry I cant help more, but without knowing the facts its a general bit of info.
Last edited by les666; 03-11-07 at 18:57.
Reason: forgot a bit