Crash!!

Compulsory insurance such as motor insurance is merely legalized extortion. You have rights and they rely on you not knowing them or needing a quick settlement. Dont play their games. You want your property repaired to as it was before the #### caused the crash. Not another vehicle, not a partial cash settlement, nothing else. It may be uneconomical in their book but that counts for sh!t. Put the legal eagles onto the other driver in person and give them deadlines. Keep receipts and records of ALL out of pocket expenses including your time which you can bill at any rate you choose. I'm self employed so any days spent chasing get billed the same as if I'm working. Have faith and dont roll over.

True words above

Cracking idea to use the legal expenses cover to go after the insurers - inspired

Update :

Received letter today from management company.

We thank you for the opportunity of dealing with the above claim and confirm that your vehicle has now been inspected by the third party engineer as a possible total loss and we now await the engineers pre accident value which we will confirm to you once known.

We would suggest at this time that you should obtain evidence to support and prove your own valuation of your vehicle such as private retail advertisements of similar age, make, model and mileage.

As part of the vehicle crimes reduction act, the DVLA have introduced a vihicle identity check(VIC) Blaa blaa.

At least it's confirmed as his fault now!!!!!!!

Thanks for all your valued support and very useful help.
Not sure how I'm going to deal with this. I have ADHD and paper work/ office work is a big problem for me. I usually roll over because I don't understand their jargon and my poor little brain can't cope!!

The support and help you have given has uplifted me into thinking about getting them to repair it. Just don't know if I can face the pain and anguish getting there!!

Fortunately I have an amazing wife who can help - She really is the best!
Good looking too (No I'm not posting any photo's yer pervs!)

If anyone sees an advert for a 1995 110 CSW 300tdi with 230k on the clock let me know please so I can print it!!

I will keep you updated

Many thanks

James

Get a price for new chassis, and the switch over along with the other repairs, as your repair quote will be less than there. And do what Shifty and blue haze have said.

Blue haze got the same letter and fought them tooth and nail.......... by following shifty's advice to the letter, he won and got his repaired with new galvanized chassis. Which was cheaper than what insurance had for a new chassis from LR.

Again don't be weak be tough, hang in there and you will win.

Did you read Blue haze's thread on this, as he put up everything,games insurance played with him. Plus a couple others have gone through the same thing with insurance and followinf Shifty and Blue haze they also won

Hang on in their mate

Get a quote for a genuine LR chassis - but then buy a galv one from Richards or the like.

If yer struggling with the jargon etc keep asking us and we'll help ya.

Freelander 2 prices are still strong second hand but if you could get £15k+ out of the insurer... clouds and silver linings.

If I deliberately take a hammer to your property I am guilty of criminal damage and can be charged. On conviction or admission of guilt I will be ordered by the judge to pay compensation for all relevant costs and to pay for all repairs necessary to restore your property to its original condition. I can not argue that in my opinion it is beyond economical repair and only pay what I consider appropriate. NEITHER CAN THE INSURANCE COMPANIES !

If through my actions I damage your property by accident – not deliberately (maybe I was throwing my hammer in the air and dropped it on your car). I am now guilty of causing damage by reckless endangerment and can be charged. On conviction or admission of guilt I will be ordered by the judge to pay compensation for all relevant costs and to pay for all repairs necessary to restore your property to its original condition. I can not argue that in my opinion it is beyond economical repair and only pay what I consider appropriate. NEITHER CAN THE INSURANCE COMPANIES !

Now while I am nor suggesting that the other driver deliberately caused the collision they are by accepting blame guilty of driving with undue care and attention or in extreme cases dangerous driving (only prosecutable by the police). However the fact that they have damaged your property either deliberately or accidentally (in this case your car) as a direct result of their actions means that they have the same liabilities as the hammer scenarios and can not hide behind their insurance company. This is why you turn your legal eagles against the individual if their insurance wont play ball.

You are entitled in law to full recompense for all associated costs (including out of pocket expenses and loss of earnings, telephone calls, postage, your time, etc.) as well as full repair to original condition no matter how much it may cost to do so.

Let us say you owned a rare Ferrari one of only two in existence then they would have to purchase the other existing car as a replacement. If it was not for sale then you could name your own price. They can not offer you a fraction of its worth. The principle is the same but in this case there are many Landrovers available and it may be that you would settle for a much newer version as a replacement or an upgrade to your such as galvanised chassis etc.

I suggest you contact your insurance company and start the ball rolling. Don’t be fooled by their b*llsh*t and lies. The law is the law and they well know it.

Shifty1962 said:

If I deliberately take a hammer to your property I am guilty of criminal damage and can be charged. On conviction or admission of guilt I will be ordered by the judge to pay compensation for all relevant costs and to pay for all repairs necessary to restore your property to its original condition. I can not argue that in my opinion it is beyond economical repair and only pay what I consider appropriate. NEITHER CAN THE INSURANCE COMPANIES !

If through my actions I damage your property by accident – not deliberately (maybe I was throwing my hammer in the air and dropped it on your car). I am now guilty of causing damage by reckless endangerment and can be charged. On conviction or admission of guilt I will be ordered by the judge to pay compensation for all relevant costs and to pay for all repairs necessary to restore your property to its original condition. I can not argue that in my opinion it is beyond economical repair and only pay what I consider appropriate. NEITHER CAN THE INSURANCE COMPANIES !

Now while I am nor suggesting that the other driver deliberately caused the collision they are by accepting blame guilty of driving with undue care and attention or in extreme cases dangerous driving (only prosecutable by the police). However the fact that they have damaged your property either deliberately or accidentally (in this case your car) as a direct result of their actions means that they have the same liabilities as the hammer scenarios and can not hide behind their insurance company. This is why you turn your legal eagles against the individual if their insurance wont play ball.

You are entitled in law to full recompense for all associated costs (including out of pocket expenses and loss of earnings, telephone calls, postage, your time, etc.) as well as full repair to original condition no matter how much it may cost to do so.

Let us say you owned a rare Ferrari one of only two in existence then they would have to purchase the other existing car as a replacement. If it was not for sale then you could name your own price. They can not offer you a fraction of its worth. The principle is the same but in this case there are many Landrovers available and it may be that you would settle for a much newer version as a replacement or an upgrade to your such as galvanised chassis etc.

I suggest you contact your insurance company and start the ball rolling. Don’t be fooled by their b*llsh*t and lies. The law is the law and they well know it.

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That makes sooo much sense put that way.
I happened to fall into a management company by mistake by calling the number on my tax disc holder for GEM assist.
Turns out that I'm not with gem but now with AA.
Any how the Gem company organised recovery and a like for loke car and I was happy. Since then I have been informed that I have no legal cover or courtesy car cover on my insurance. So thank god for the mangement company!!
However, Where do I stand with Integrity Claims (The management company) with regards to turning the legal eagles on the driver??

James

What level of insurance do you have? Fully comprehensive means just that. Third party policies often offer legal cover for a small charge at time of renewal.

Hippo said:

If yer struggling with the jargon etc keep asking us and we'll help ya.

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I duz agree wiv the Gaylanderer

Shifty1962 said:

What level of insurance do you have? Fully comprehensive means just that. Third party policies often offer legal cover for a small charge at time of renewal.

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It is comprehensive with Highway which is part of liverpool victoria.
This was taken out through Academy which is a land rover/4x4 broker.

I have found the certificate but not details of what is included from Academy
(The schedule I believe) I will hunt for it but it is defo fully comp!!

James

Only deal with the manager - if they are slow to engage at that level (and they probably will be) ask how to complain.

Had to drive past where the accident happened today.
Strange marking on road so I had to stop and photo.
A yellow triangle pointing where my car ended up or at tyre mark on double yellow lines.
Maybe its something else and its just a coincidence

Anyone know what it is????

Is it some sort of accident investigation? Old bill will spray up roads before surveying with gps.

Did you see any other marks on the road for the other vehicle?

Hippo said:

Did you see any other marks on the road for the other vehicle?

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That was the only one I'm afraid ????

Update : -

Had a phone call from accident management company today.

Written off as cat C But I'm fooking fuming as the payout is £1250!!!!!!!
can buy back as salvage for £150 so payout will be £1100!!!!!

Repair cost according to engineer is £2200

New wing
Inner wing
indicator and side light
Steering knuckle
Paint and sundries.

No mention of the bent radius arm mount or creased chassis.
Maybe I thought it was worse than it is!!

Now a payment has been made I lose the hire car so I'll have to buy a cheap run around.

The guy said that I need to get auto trader ads to prove value and he will do all he can to get a realistic value.

Don't stop me being out of pocket and feeling like @!:? !!!

Get ads sharpish. They are just taking the ****.

What would you realistically value it at?

as others have said, dont accept anything, go back to them and tell them thats not good enough and you want your car repaired as the other person has accepted liability. Tell them you want your car returned to how it was pre-crash

dont give in!