dan-sport
Member
Registered: 9th Oct 07
Location: Bushbury, West Midlands
User status: Offline
|
Basicly at the begining of february a guy pulled out on me at the last min i slide and hit him, everybodys all insured ect but my insurance told me that because the car was under my name(im a named driver on policy) but the policy stated it was under my moms name ( valid reason for this) it had to go to the underwriters to make a decision about payment but if we gave a writen valid reason everything would be fine. I spoke to a women monday and she said that if the underwriters choose not to pay i would get my car back as they haven't bought it off me and its still my propperty.
This is where i need the advice on, just spoke to them about if they choose not to pay and i get my car back will it still be a write off and she told me that i wouldn't be aloud the car back no matter what and they will be disposing of it once they have the underwriters decision.
Where do i stand? can i get my car back at all or are they aloud to just get rid of the car and not give me anything back? the cars a cat b write off and i would want it back to split to try and get abit of money back
sorry about the essay, heres some pictures of the car before and after the accident such a shame as it was a cracking little car.
after accident
|
chrisritch
Member
Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline
|
and this is why fronting is illegal.
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
cat b write off's can only be broken up by scrapyards i heard.
probably why you can't get the car back.
|
Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
|
quote:
Originally posted by Ben G
cat b write off's can only be broken up by scrapyards i heard.
probably why you can't get the car back.
That's true but it wont be recorded if they don't pay out. Providing the other Guy isn't claiming off you then just pay to fix it or sell it ruling as a unrecorded crash damaged car. Someone will fix that for peanuts.
out of interst though why are your insurers not trying to claim from him if yes at fault?
|
tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
|
quote:
Originally posted by dan-sport
the policy stated it was under my moms name ( valid reason for this)
What was the valid reason? I'm intrigued.
|
shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
|
is the insurance fully comp or third party Dan? As Toby said if the claim is withdrawn surely that means they can't just take your car off you?
[Edited on 09-03-2011 by shaunmods]
|
dan-sport
Member
Registered: 9th Oct 07
Location: Bushbury, West Midlands
User status: Offline
|
its all going through as a fault against the other driver and the police have given him a fine and he has to go on a driving course.
So if they dont pay out they can't record it?
tom - the reason is it was a bargin not to be missed and my mom couldn't be there due to work and if i didn't get it there and then they would of sold it to this other person who came to look at it about 5 min after me and was ready to buy it. then with the delayed christmas post and what not we didn't get the log book back until the last week in jan
|
dan-sport
Member
Registered: 9th Oct 07
Location: Bushbury, West Midlands
User status: Offline
|
quote:
Originally posted by shaunmods
is the insurance fully comp or third party Dan? As Toby said if the claim is withdrawn surely that means they can't just take your car off you?
[Edited on 09-03-2011 by shaunmods]
fully comp shaun, thats what i thought but from what she said earlier i wouldn't be aloud it back no matter what, so im confused now
|
shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
|
quote:
Originally posted by dan-sport
quote:
Originally posted by shaunmods
is the insurance fully comp or third party Dan? As Toby said if the claim is withdrawn surely that means they can't just take your car off you?
[Edited on 09-03-2011 by shaunmods]
fully comp shaun, thats what i thought but from what she said earlier i wouldn't be aloud it back no matter what, so im confused now
Ahh right. I know when your only TPFT the insurance company has no right over the salvage of your car as this is what happened with mine. Pretty sure its a different case with fully comp policies but still if the claim isnt going through its like they are gaining a free car as they wont be paying you out?
|
dan-sport
Member
Registered: 9th Oct 07
Location: Bushbury, West Midlands
User status: Offline
|
exactly but this is my first time dealing with write offs ect so i have no idea whats gonna happen
|
fir3vip3r
Member
Registered: 14th Jun 06
Location: Stevenage, Hertfordshire
User status: Offline
|
Theres only one thing i can say about this thread and that is:
It's mum, not MOM!
|
deneven
Member
Registered: 11th Oct 10
Location: Tyne and Wear
User status: Offline
|
IME You'll get a payout
I crashed a 6k mazda 3 on my mams policy. I admit i was fronting, it was either that or not drive.
Anyway it was only me involved (wrapped it around a tree). The insurance said they will pass it onto the underwriters. They asked who drove the car more, me or my mam. Obviously said mam and then why my name was on the logbook.
The way i did it was:
-Photocopy the logbook (the part where it says LOGBOOK IS NOT PROOF OF OWNERSHIP)
-Tell them to prove you drive the car more than your mam.
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
quote:
Originally posted by dan-sport
its all going through as a fault against the other driver and the police have given him a fine and he has to go on a driving course.
So if they dont pay out they can't record it?
tom - the reason is it was a bargin not to be missed and my mom couldn't be there due to work and if i didn't get it there and then they would of sold it to this other person who came to look at it about 5 min after me and was ready to buy it. then with the delayed christmas post and what not we didn't get the log book back until the last week in jan
That doesn't explain why you were fronting?
|
BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
|
wtf does fronting mean?
|
Jake
Member
Registered: 24th Jan 05
User status: Offline
|
getting lippy
|
mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
|
just tell them you were sending the log book off to be changed and then what can they say.
|
deneven
Member
Registered: 11th Oct 10
Location: Tyne and Wear
User status: Offline
|
quote:
Originally posted by John
That doesn't explain why you were fronting?
Its the one and only reason why a 17/18 year old goes on there parents policy...
£3500 Own policy
£800 Parents Policy
It's obvious.
Fronting is when a named driver, drives the car more than the policy holder. Which has all of sudden only came into effect the past 10/15 years.
[Edited on 09-03-2011 by deneven]
|
BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
|
cant blame people for doing it personally with the cost of insurance for young drivers
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
I know why people do it, I done it, the above is a crap excuse.
It's being publicly clamped down on so I can see this becoming more common.
|
dan-sport
Member
Registered: 9th Oct 07
Location: Bushbury, West Midlands
User status: Offline
|
I think its perfectly reasonable why the logbook was in my name i had to so i didnt miss out on not only a bargin but a seriously mint car, i was going to put the car in my moms name but by the time log book came i had the accident, the reason the insurance is how it is, is because its 1300 a year with my mom as main driver and the cheapest on my own is 6k everywhere else wont quote
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
mum
|
fir3vip3r
Member
Registered: 14th Jun 06
Location: Stevenage, Hertfordshire
User status: Offline
|
quote:
Originally posted by fir3vip3r
Theres only one thing i can say about this thread and that is:
It's mum, not MOM!
And again
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
quote:
Originally posted by dan-sport
the reason the insurance is how it is, is because its 1300 a year with my mom as main driver and the cheapest on my own is 6k everywhere else wont quote
We know, that's fronting and why they don't want to pay out 
|
Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
|
quote:
Originally posted by dan-sport
its all going through as a fault against the other driver and the police have given him a fine and he has to go on a driving course.
shouldnt the other persons insurance payout then, if the fault has gone against him 
|
oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
|
The reason insurance is so expensive for young drivers;
quote:
Originally posted by deneven
Anyway it was only me involved (wrapped it around a tree).
Enough said.
|
