F82 revered into - need a good AMC
Discussion
Lol.
This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
Tony1963 said:
Lol.
This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
It’s a third party claim, so nothing to do with his own policy.This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
That said, if he can accept a day rate in lieu then he doesn’t seem to need a replacement car at all, never mind an equivalent one.
Sheepshanks said:
It’s a third party claim, so nothing to do with his own policy.
That said, if he can accept a day rate in lieu then he doesn’t seem to need a replacement car at all, never mind an equivalent one.
But on what basis can you demand an M car, even if it’s an M that has been reversed into? And after that experience, I wouldn’t want the responsibility/insurance excess of someone else’s M. That said, if he can accept a day rate in lieu then he doesn’t seem to need a replacement car at all, never mind an equivalent one.
Sheepshanks said:
Tony1963 said:
Lol.
This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
It’s a third party claim, so nothing to do with his own policy.This is going to be good.
I think you’ll get asked what your policy says. Exactly what it says, about replacement vehicles/courtesy cars. Nobody ‘needs’ an M car, so nobody ‘needs’ one as a courtesy car. You can only expect a similar size, standard, and spec. Unless your policy states otherwise.
That said, if he can accept a day rate in lieu then he doesn’t seem to need a replacement car at all, never mind an equivalent one.
I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
Edited by Durzel on Sunday 22 September 11:09
Durzel said:
One would presume that he has gone to the 3P insurer because he didn’t pay for courtesy car cover on good own insurance.
Maybe. But when I was hit and the 3rd party admitted liability, I went through their insurers because they gave me no reason to involve mine (I did notify mine of course).I did get offered like for like by the 3rd party insurers - in fact they seemed oddly keen for me to take it - but I didn't need it and declined
Durzel said:
One would presume that he has gone to the 3P insurer because he didn’t pay for courtesy car cover on good own insurance. Expensive car, cheapest policy on CompareTheMarket - a tale as old as time.
I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
He’s probably gone the 3P route because it’s usually the quickest route to getting his car fixed.I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
Speaking from experience (twice) it’s in the interest of the 3P insurance to get the car back on the road as quickly as possible and also mitigate any car hire costs.
As opposed to your own company who will fire it off to an AMC who’s sole purpose is to rack up as big a bill as possible (okay not quite correct but you know what I mean)
It’s unfortunate the 3P insurance company aren’t playing ball but the principal stands.
Durzel said:
One would presume that he has gone to the 3P insurer because he didn’t pay for courtesy car cover on good own insurance. Expensive car, cheapest policy on CompareTheMarket - a tale as old as time.
I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
He’s probably gone the 3P route because it’s usually the quickest route to getting his car fixed.I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
Speaking from experience (twice) it’s in the interest of the 3P insurance to get the car back on the road as quickly as possible and also mitigate any car hire costs.
As opposed to your own company who will fire it off to an AMC who’s sole purpose is to rack up as big a bill as possible (okay not quite correct but you know what I mean)
It’s unfortunate the 3P insurance company aren’t playing ball but the principal stands.
I can understand you being annoyed your car has been damaged when it wasn't your fault. I can also understand that you expect a similar replacement (or cash) while it is being repaired. Whilst I do see your point of view, unfortunately I think you could be in for a very large dose of reality.
I think the bit where they say it will take 7 days to source a replacement gives you a bit of an idea of what t o expect.
I hope, for your sake, it all goes well. Do please let us all know how it pans out, maybe some good news from the insurance industry for once, but I'm not convinced.
I think the bit where they say it will take 7 days to source a replacement gives you a bit of an idea of what t o expect.
I hope, for your sake, it all goes well. Do please let us all know how it pans out, maybe some good news from the insurance industry for once, but I'm not convinced.
mubariz said:
My F82 was reversed into 
3rd party insurance have admitted liability but communication with them (Darwin insurance) has been poor. It's been 5 days and they've yet not been able to get me into a comparable hire car and also refused my offer to accept a day rate instead of a car replacement.
Can anyone reccomend a good AMC that can get me into an M3/M4 with no risk to me and let me choose a garage that I prefer for repairs (Sytner BMW)?
QFP3rd party insurance have admitted liability but communication with them (Darwin insurance) has been poor. It's been 5 days and they've yet not been able to get me into a comparable hire car and also refused my offer to accept a day rate instead of a car replacement.
Can anyone reccomend a good AMC that can get me into an M3/M4 with no risk to me and let me choose a garage that I prefer for repairs (Sytner BMW)?
t happens” when people have tried this.davek_964 said:
Durzel said:
One would presume that he has gone to the 3P insurer because he didn’t pay for courtesy car cover on good own insurance.
Maybe. But when I was hit and the 3rd party admitted liability, I went through their insurers because they gave me no reason to involve mine (I did notify mine of course).I did get offered like for like by the 3rd party insurers - in fact they seemed oddly keen for me to take it - but I didn't need it and declined
Drawweight said:
Durzel said:
One would presume that he has gone to the 3P insurer because he didn’t pay for courtesy car cover on good own insurance. Expensive car, cheapest policy on CompareTheMarket - a tale as old as time.
I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
He’s probably gone the 3P route because it’s usually the quickest route to getting his car fixed.I’m also assuming he’s generously offered to the 3P insurer that he’d accept £500 a day or something.
It sucks being crashed into, of course, but don’t think the OP is doing themselves any favours and may have compromised a future credit hire claim by intimating that he doesn’t actually need the car at all.
Speaking from experience (twice) it’s in the interest of the 3P insurance to get the car back on the road as quickly as possible and also mitigate any car hire costs.
As opposed to your own company who will fire it off to an AMC who’s sole purpose is to rack up as big a bill as possible (okay not quite correct but you know what I mean)
It’s unfortunate the 3P insurance company aren’t playing ball but the principal stands.
That wasn’t really my point, it was more the fact that the OP could’ve taken out insurance with “like for like” courtesy car cover, but it would’ve cost more, so I suspect they have no cover on their own policy.
mubariz said:
Maybe you missed this part; 'My logic is; the more cost the 3p has/day, the quicker they will return my car. '
Also, it doesn't matter whose side you're on, im looking for tips on the best way to recieve compensation for the wrong done to me under tort law.
It sucks that someone hit your car, and ideally it would be nice if you had a like for like replacement - but you presumably didn’t pay for this on your own insurance, and have already suggested to the 3P insurer that you don’t even need a car.
Later on you’ve made it even clearer that you’re seeking enrichment from this event.
Be careful what you wish for.
Firstly I've never seen a good AMC operate and invariably slows things up and makes it more complicated.
A neighbour hit my E class Mercedes a few years back - my insurance company informed me a courtesy car would arrive later that day and sure enough I had a knock on the door that afternoon from the hire car company. He gleefully handed over the keys to a practically new M series BMW whilst I'd been expecting a Ford Focus or something similar. My car was ready after about 9 days and off the BMW went and that was the end of it - I thought! But no - some months later I received a quite threatening letter from a solicitor saying that the 3rd party was refusing to pay for the car as it was too expensive compared to the overall claim and I'd be liable. Took the best part of a year and lots more paperwork to get sorted. Wish I'd been given a sensible car.
Firstly I've never seen a good AMC operate and invariably slows things up and makes it more complicated.
A neighbour hit my E class Mercedes a few years back - my insurance company informed me a courtesy car would arrive later that day and sure enough I had a knock on the door that afternoon from the hire car company. He gleefully handed over the keys to a practically new M series BMW whilst I'd been expecting a Ford Focus or something similar. My car was ready after about 9 days and off the BMW went and that was the end of it - I thought! But no - some months later I received a quite threatening letter from a solicitor saying that the 3rd party was refusing to pay for the car as it was too expensive compared to the overall claim and I'd be liable. Took the best part of a year and lots more paperwork to get sorted. Wish I'd been given a sensible car.
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