Chat & Social > The Bar - General Chat
Mixing MT tyres (insurance claim problem)
wheels244:
They will play the waiting game with you ( I was told this by a mate who worked directly for an insurance company ).
To you, your car one of the most important things you have - and you want it right.
To them you are one of many claims and the least they can pay you, the better for their company.
They will fob you of and continue to do so until you get tired or p*ssed off with the claim - this is what they want.
My advice is to shortcut all of the toing and froing and get their response in writing and refer it immediately to the insurance ombudsman - at least that way you'll get a definitive answer without all of the heartache - even if it's not the answer you wanted.
andycwb:
Do you have legal cover under your own insurance? If so, use it to get the full costs recovered.
If not, point out to the other drivers insurance company that if they don't repair the car fully you will take legal action to recover your costs and since their client has already admitted liability it will be very difficult for them to defend the suit. If they don't bite the first time, get a solicitor to write a letter for you.
Oh, and keep track of every minute spent on this (at your normal salary), every phone call, and every stamp. It all goes on the final claim if it does go to court, plus inconvenience, loss of use, ...
Andy
andyhubbard:
If they have said that about the brake discs it might be worth a little tip off to the local vehicle inspectorate office and letting them know who they are and also who their respective repairers are as that's a deffinate NO NO.
barmiebrumie:
--- Quote from: dxmedia on May 26, 2010, 22:12:54 ---Direct line wont fit any parts, they will used local garages who have registered with the insurance companies.
If the garages are cutting corners and fitting 2nd hand parts then it's probably fraud.
--- End quote ---
Direct line & most others will agree to fit s/h parts (green parts) if new are no longer available & the vehicle owner agrees to it to save the vehicle from being a total loss, we have had to do this in the past on rover/mg.
barmiebrumie:
--- Quote from: Ridgeback on May 26, 2010, 15:53:14 ---
Its not just me then, that thinks they should put it back to the condition before I had the crash. I will keep on and insist on all 4 being the same.
I just had another heated discussion with the insurance company. I asked what would they do if they had a customer car with 1 smashed brake disc following a crash, just change the 1 or do both sides.
She said just the one. After this I asked to talk to someone with an IQ above 20 because I don't know of any accident approved garage that would allow that.
Will just have to keep on at them.
Matt
Don't know of any insurance company that would ask for one disc to be changed. but there is no law against running different tyre tread patterns & if one tyre is no longer available they are only obliged to change that to the closest or just give you cash in lue for the price of the the damaged tyre, but you never know :roll:, you can only keep on trying, is it your insurance that are repairing it or the other parties ?
--- End quote ---
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