Hey all. Looking for some advice as my insurers, Admiral, dont seem to be too helpful or clear in a recent accident.
I have a Ford Focus 1.6 Zetec 2002 hatch on a fully comp insurance.
On Monday morning I had a non fault accident where another party pulled out of a side road into the drivers front side of my car.
Damage to wheel arch, and drivers door. The car is still driveable.
Myself and the other party have exchanged details and its clearly her fault, especially as she told me "I'm sorry I thought I could make it infront of you".
I called the insurance upon getting to work to be informed that they will write my car off due to age. I argued that it is still repairable and age is a bit of a stupid factor, 11 years old, car was valued upon beginning of my insurance at £1200 and it could be repaired for about £600 (I've had quotes but not informed insurers as yet).
My main concern is that Admiral have cancelled my insurance and declared it to DVLA already as written off without consulting me or really advising me they were doing this. I only found out when I was on the phone to them and put into a conference call with the DVLA and Admiral and as such, had to drive back from my friends in Bournemouth, where I was staying for work, to my home to park the car on the drive.
I am under the impression that with it not being my fault, my insurers would just look to contact the other company, accept their liability then being any repair work. Admiral have told me that they have to do it the cheapest way for them....and also offer me trade value of the car post accident. I have done some research and spoken to the Financial Ombudsman who have told me (and its actually on the Admiral site) that it has to be market value (i.e Autotrader or if I was to sell it) and pre accident state.
I have argued today and managed to get a courtesy car as they have said it is written off so I am entitled to one, however originally they didn't want to give me one until I had my car taken away from me.
From here I dont know whats going to happen. I have been told by friends and co-workers that they will take my car away, value it, and then offer me a settlement price, minus my excess and remaining insurance (so about £650 excess and £200 for insurance) leaving me with £150 if they offer me £1000 for the car. I believe I can then buy the car back from them at a scrap price and then decide whether I want to repair it. It probably will be a CAT D so won't need to be tested to be put back on road. I can then claim back the excess and any other costs (car hire etc) through my insurance from the other company. And then I can repair it with those funds or just keep them.
I thought as I am not at fault the other party would be getting it valued and they would be offering me prices not my own insurance who are looking to do it as cheaply as possible.
Also, would I have a case for miss selling insurance as I wanted fully comprehensive to cover my car in all eventualities and they have said due to age they can't. If so, why didn't they advise me that Third Party Fire & Theft would have been the appropriate insurance.
Can any one shed any light on what will happen as they aren't helpful and trying to just take my car away and offer me scrap value. I DO NOT want them to take my car away without it first being evaluated in person, and then having a firm offer of a price. Also, if they do take it away, do I get first rights on buying it back or is their a danger of losing the car while waiting for the claim to go through to another person who may purchase it?
At the moment, it looks like I will lose my car, be out of pocket, have to set up a new insurance (includes a higher premium due to accident and having to pay a deposit on insurance too) and wont have enough money to buy a new car. Where the other party will have her car repaired, pay her excess and then just have a higher insurance premium. I would have been better off to settle this out of insurance IF I knew that it would be wrote off.