Claim doesn't seem right? - Civinfo
 
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post #1 of 9 (permalink) Old 22nd February 2012, 13:54 Thread Starter
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Post Claim doesn't seem right?

Okay, at the start of November one of my neighboughs reversed into my car.

At first he said ill give you the money to repair it properly, so i said fair enough, so i got a quote from my body shop of choice and gave it to him.

At the end of December he knocks on my door and says he cant afford the quote, so he said he's going through his insurance.

Now its gets weird, he says he as sent the quote off to aviva, now this quote was just under 350, he then tells me his excess was 500... Is it just me or does that not make sense lol...

Then a few weeks ago i get a phone call from 'aviva' saying they need authorisation to do they work, so i gave it to them as anyone would, i just phoned the body shop and they say that they havent heard from aviva since they needed the authorisation.

So straight away i phoned aviva so see what the hell their playing at, give them the reference number and they say nothings showing up on their system, same with number plate, or anything to do with my car, then they asked for his number plate, but dont have it because his taxi is parked next me all they time so never bothered to take it as i can get it anytime, just happens its not there.

Now the other thing is how did aviva get my phone number? i never gave it to him, and aviva wouldn't have been in contact with my insurance company would they??

Just thought i would post it up here as this really does strike me as weird.

Do correct me if im wrong as this is my first claim or anything to do with an insurance company except for handing out money!

Ta

Steve
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post #2 of 9 (permalink) Old 22nd February 2012, 14:19
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Check the insurance details he provided for his insurance is correct.
Failure to provide details is an offence.
Unless the whole idea was to wait until it was too late for you to make a claim.



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post #3 of 9 (permalink) Old 22nd February 2012, 14:31
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The excess is usually "oen damage", therfore if he is not claiming for any damage to his then he will not pay any excess.
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post #4 of 9 (permalink) Old 22nd February 2012, 14:43 Thread Starter
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Quote:
Originally Posted by Relic View Post
Check the insurance details he provided for his insurance is correct.
Failure to provide details is an offence.
Unless the whole idea was to wait until it was too late for you to make a claim.
He hasn't provided anything, the first thing i knew about going through insurance was when he told me he had done it!

If he had told me he was going to go through them id have said dont bother, for the sake of 350 quid, and 4 months bother!
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post #5 of 9 (permalink) Old 22nd February 2012, 15:37 Thread Starter
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just got through to someone that speaks half decent english finally, sorted it i hope, just waiting for aviva to send written authority to the garage now!

Last edited by Stevo!; 23rd February 2012 at 13:37.
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post #6 of 9 (permalink) Old 23rd February 2012, 12:34
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Quote:
Originally Posted by shaunwistow View Post
The excess is usually "oen damage", therfore if he is not claiming for any damage to his then he will not pay any excess.
wrong!! you pay the excess if you damaged someone else's car - you can claim back the excess from their insurance if you are not at fault
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post #7 of 9 (permalink) Old 23rd February 2012, 15:48
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excess is only what you pay for your own car.

i.e. TPO policy = just to other peoples vehicles.

Your neighbour was probably confused, just be careful and always make sure you speak to his insurance!
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post #8 of 9 (permalink) Old 23rd February 2012, 15:54
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Quote:
Originally Posted by NoNumpty View Post
wrong!! you pay the excess if you damaged someone else's car - you can claim back the excess from their insurance if you are not at fault
WRONG - You pay your "own damage" excess if you claim on your policy for your OWN damage. If the accident is non fault then you can claim it back.

The Taxi driver who was at fault would not have to pay an excess unless he was claiming on his own policy for his OWN damage. If the TP claims from the Taxi drivers policy then the Taxi driver does not have to pay his excess, unless of course he is claiming for his OWN damage.

Get your facts right before saying someone is wrong. BTW I have been dealing with insurance claims for the past 24 years
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post #9 of 9 (permalink) Old 23rd February 2012, 15:57
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Ignore me, Shaun is correct.

Last edited by Syx; 23rd February 2012 at 16:02.
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