where do i stand with a catagery c

[heyskull]

NI_Volvo_Nut
That is not true insurance companies are tight b*****ds and once they deem the car is beyond economic repair wether it is your fault or someone elses, they will give you the market value and maybe an additional couple of hundred quid especially for an old volvo.
Understand that I didn't want to scrap my car, but it is just a means of transport and a lump of metal to the insurance companies.

SC

[NI_Volvo_Nut]

Maybe different in the mainland or changed within the last few years, but here, as long as the car was repairable, ie headlights, wing, door, no chassis damage, you could force the insurance too repair the car, but its been 4 years since I dealt with insurance claims, so it could have changed

[volvo740ndspares]

thanks for all the advice guys , il take it all on board gona have a word with insurance company 2moz as im not happy with things as they stand at mo. anymore help and advice will be greatly appriciated :

[cumbrianmale]

Don't go through your insurer your not at fault use helphire

[lyron]

as an ex salvage dealer other coments are quite correct.catagory c is repairable but un economic to do so.if you do repair it yourself ,or have others do it always take photos of before during and after,you must get it checked by a qualified vic inspector the lorry drivers insurance should pay up but be warned they only like taking your money,they do not like to return it,be reasonable with them,do not take there first second or indeed there third offer,stick to what you think is fair,and do not budge. most important thing is get the repair done properly.its quite supprising what can be covered up.and beleive me i have seen the results of some of the bodges,returned to our yard ,and they were not nice.

[volvo740ndspares]

thanks again all im just waitin to hear bk from insurance again , what a nightmare just because of some1 elses fault , come wednesday im going to be without transport because they are collecting the courtesy car back

[DaveSV40]

I used to work in insurance, so I (used to!) know what I was talking about.

You can avoid paying your excess/having your premium increase by claiming directly against the lorry's insurance, not your own. If you claim on your own policy, chances are they'll effectively treat it as if it were your fault until they claim back every penny they've paid you from the lorry's insurance, and that can and does take time. Also, as you've just found out, your insurance company take back the courtesy car as soon as your car is declared a write-off.

You can make the process of claiming against the lorry's insurance easier by getting someone else to do it for you; eg. Helphire, who someone else already mentioned. They should be able to give you a hire car until you are in a position to buy another car ie. until you get paid out for your car-they WILL NOT let you keep a hire car for the months it will take you to track down a mint 780 the same colour as your old one (I know it wasn't a 780, that's just an example). Solicitors (the ones you see on the telly, who make claims if you're injured) will not be interested in a claim this small-they won't be paid very much.

It's not too late to go against the lorry's insurance-your insurance company have only paid to have an engineer look at your car, the courtesy car would probably have been provided for free by the garage, at no cost to them. It should not make your premium go up, but you may have to argue with them about this.

It has never (at least in the last 15 years or so), been possible to 'force' an insurance company to repair rather than write off a car. You can however, ask them to pay 'cash in lieu'; ie. they pay you the write off value, less the value of any salvage, and you keep the car.

Good luck!

[volvo740ndspares]

well i got it fixed , still tryin to finalise things with insurance , but thanks for all the advice

[resurgam]

I'm going through exactly the same - had a no fault accident (old chap dazzled by low winter sun pulled right across me only 40 yards in front)-lost a headlight indicator and dislodged/ cracked bumper on my 740 SE estate - Insurance Co (NFU) really useless, have agreed the payment in lieu but no one seems in a hurry to give me my vehicle back so I can begin fixing it. Courtesy vehicle runs out in a couple of days, and just had a re-newal quote 65% higher. I have to chase them every single day no one lifts a finger to help or give advice - learned a lot more on here that's for sure) the stress, lost leave entitlement from work etc all un recoverable - train and tram next week methinks.