I had Chevrolet Orlando 2014 which was bought for 10k August 2018 and got rear ended with Cat F damage,offered 8k from the insurance company as that was market value. I refused point blank and was asked to get market sale value on said model by research and I couldn't find the exact variant on sale for year and model but found similar and they only increased the offer by £200.
Now I was paying hp and wasn't notified of GAP insurance at this time when the car was purchased leaving me with a hefty £2k addition to pay off HP. With this I approached my solicitor as the other driver had accepted responsibility and had no choice and was advised to take a personal claim to cover costs as both used the same insurance company. I was not happy doing this as I'm not a scammer but my insurance company was looking to shaft me and I had no choice as I would have been out of pocket for an accident that was not my fault plus additional burdens created by this.
My daughter was in the car and although she did bang her head on the car she did not claim as she was not hurt.
There is a lot more to what happened on the day though I was stationery behind another car at traffic lights and if you have anyone under 16 in a car involved in an accident you must inform the law as an ambulance must be dispatched for the child whether showing injury or not which was something else I learned that day.
Insurance companies make money and will spend huge amounts to dispell a claim as this will save more on similar claims.
Now I was paying hp and wasn't notified of GAP insurance at this time when the car was purchased leaving me with a hefty £2k addition to pay off HP. With this I approached my solicitor as the other driver had accepted responsibility and had no choice and was advised to take a personal claim to cover costs as both used the same insurance company. I was not happy doing this as I'm not a scammer but my insurance company was looking to shaft me and I had no choice as I would have been out of pocket for an accident that was not my fault plus additional burdens created by this.
My daughter was in the car and although she did bang her head on the car she did not claim as she was not hurt.
There is a lot more to what happened on the day though I was stationery behind another car at traffic lights and if you have anyone under 16 in a car involved in an accident you must inform the law as an ambulance must be dispatched for the child whether showing injury or not which was something else I learned that day.
Insurance companies make money and will spend huge amounts to dispell a claim as this will save more on similar claims.
