need help with insurance, legal advice

Ian (DaOne) · Post by **Ian (DaOne)** » Wed Jan 21, 2009 7:17 pm

anyone on here who can help me out with a insurance legal advice please, any lawyers etc

Mr Fletcher · Post by **Mr Fletcher** » Wed Jan 21, 2009 7:21 pm

is this personal injury type or other just to clarify what you require .

cheers

jason

Ian (DaOne) · Post by **Ian (DaOne)** » Wed Jan 21, 2009 7:29 pm

i had to make a claim on my insurance, but insurance comp said it might be a wright off, as they have valued my car at a very low price to what it is worth

Ian (DaOne) · Post by **Ian (DaOne)** » Wed Jan 21, 2009 7:39 pm

am going to see what they have to say tomorrow, and i have found a number for the insurance ombudsman and see what they say if things dont go well

Rob S · Post by **Rob S** » Wed Jan 21, 2009 8:10 pm

You can appeal against any decision made by them to the same ombudsman.
A problem some encounter is that at quote time they say"It's worth 5 grand" then mod/improve it, but forget to change it's valuation.
As long as they are supplied proof/evidence of the cars value, you stand a pretty good chance of negotiating on the value.
Good luck anyway.

PS Is it your Subaru?

Mike Broadbent · Post by **Mike Broadbent** » Wed Jan 21, 2009 8:25 pm

Never accept an insurance company's first offer, they will always increase it. However they will probably use Glass's Guide in their valuation with allowances or penalties for under or over book mileage. If your car is in standard spec. you should be offered the retail price, not a trade price as I have come across over the years. With the settlement offered you should be able to replace the car with a similar model in the same condition from a garage and not private. It is worthwhile submitting ads as proof of the going rate if a dispute continues. If the vehicle has been modified in any way since the original quote and you have not notified them you could have a major problem.

Ian (DaOne) · Post by **Ian (DaOne)** » Wed Jan 21, 2009 8:35 pm

all mods declaired to insurance, and its my car, and assor when i phoned him up also thought i has a after market rear spoiler on, so he donesnt know a standand one when it is in his face

Fast Eddy · Post by **Fast Eddy** » Wed Jan 21, 2009 9:38 pm

Ian,
I had problems years ago with my first Pulsar. I had to take the insurance company to court in the end. Hope you get it sorted.
Eddy

ScoobieWRX · Post by **ScoobieWRX** » Wed Jan 21, 2009 10:16 pm

Who's the insurance company??

Gerry H · Post by **Gerry H** » Wed Jan 21, 2009 10:35 pm

Please don't say it's Keith Michaels