 GingerTom
No dogs allowed !
|
In response to Hoody1
So tell me GT what do you pay your premium for?
The way i understood is that they are there to assist you in the event of an accident, fault or non-fault etc etc blah blah blah lol
You pay your premium to repair your car, pay out market value if it's written off and defend you against claims made against you by other parties and pay other parties if you are at fault.
They are not solicitors and it's not their job to claim back your uninsured losses. This is where the legal protection cover comes in. Their legal team will claim back your losses from the other party. Some insurers have this built into their policies and with others you have to pay extra.
People often think just handing it over to the insurer will sort it all out but they will only do what they are paid to do and won't go spending lots of time and money chasing your losses ... only their own.
This is why it's important to have legal protection cover to pursue your losses in the event of a non-fault claim 
|
GingerTom
No dogs allowed !
|
In response to listie
My Sister is an insurance claims handler for Aviva, those are the basic rules they apply first of all, sorry mate but yes it is as simple as that!
You said "If she hit him her fault, if he hit her then his fault, thats it broken down to it's bare bones"
Well all I can say is if I had her defending me in an accident with that attitude I would not be a happy chap.
If you were driving along and had a car pulled out in front of you and you hit it broadside using that arguement you would be at fault. Does that sound right to you?
The very reason we have claims management companies, solicitors etc is because fighting claims is a huge business. If it was as simple as your statement it would make for a very simple system but with a lot of angry people around.
No 2 accidents are ever the same and all factors have to be taken into account. Just applying a broad sweeping statement of who hit who equals blame is not the way to approach it.
|
 Hoody1
Norfolk Dumplin
|
In response to GingerTom
Agree with you with regards to the legal cover definately. I'd advise anyone and everyone to get that added. Its not gona cost alot but could save you so much.
Performance Blue ST TDCI
Bluefin V2
Eibach Lowered
Focus ST225 Front Calipers
EBC RedStuff Pads and Groved Discs
Blue Goodridge Lines
Lockwood Dials with Blue Display
PowerFlow Twin Exhaust
Airtec InterCooler
Forge Pipework in Blue
Halos
Colour Coded Engine Bay
Work in Progress:
AutoMeter Boost/Volt/Oil Temp Gauges
Moulded A Pillar Triple Pod
EyeBrows/Fit Blackeye Xenons/Halos |
|
sjpage
Learner STdriver
|
In response to Hoody1
Just to let you all know
100% win (as our insurance said it would be) - the insurance didn’t even quibble with it, all within one week
and we should have her car back tomorrow all fixed
thanks to everyone
|
 ST220Paul
Flat out!
|
In response to sjpage
Nice one - good outcome
54 plate ST220
Milltek cat-back system
ASBO brakes
My Garage
Bodywork reapired, now just to figure out what's causing the brake judder! |
|
Hoody1
Norfolk Dumplin
|
In response to ST220Paul
Great news mate, i hope they've fixed it properly, ive not got good words to say about Ford fixing my car
Performance Blue ST TDCI
Bluefin V2
Eibach Lowered
Focus ST225 Front Calipers
EBC RedStuff Pads and Groved Discs
Blue Goodridge Lines
Lockwood Dials with Blue Display
PowerFlow Twin Exhaust
Airtec InterCooler
Forge Pipework in Blue
Halos
Colour Coded Engine Bay
Work in Progress:
AutoMeter Boost/Volt/Oil Temp Gauges
Moulded A Pillar Triple Pod
EyeBrows/Fit Blackeye Xenons/Halos |
|
GingerTom
No dogs allowed !
|
In response to Hoody1
Glad to hear it
|
![]("http://www.stdrivers.co.uk/images/stdriversbanner.gif"/)
![""]("/forum/images/smilies/thumb.gif")
!["Firefox]("http://sfx-images.mozilla.org/affiliates/Buttons/firefox2/ff2b80x15.gif"/ "\"Firefox")