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Thread: Insurance claim on uninsured car

  1. #71
    chippy shoulder Admin
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    Quote Originally Posted by svlet
    ? if it is about my spelling then am sorry but i do check my post before posting them ?
    "and you no at the end of the day "


    no = shortened know.... = text typing = FINAL WARNING. Deal with it.

  2. #72
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    She's done the right thing and gone into the local Swinton's branch and the paper work is going through. I don't know what happens next though

  3. #73
    Senior User Spudly's Avatar
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    Quote Originally Posted by General Baxter
    you do know they will write the bmw off


    Why do people always think this, only your own insurance company (through your own policy) can write off your car, even if she is insured with the same company as you, it is only your own policy that can write it off, youre not claiming from your own, you are claiming from hers, so all that will happen is you will get a 'total loss settlement' meaning they will pay out what they would pay out if it were a total loss, or write off, but as its not your policy then they have no power to write it off, trust me i had the same thing with my old red nova and got a total loss settlement of about £300 minus admins fees and such, i think i got about £220 and my car was not written off as the other parties company/policy cannot do this!

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    That's good to hear Spud. I think Baxter was joking though

  5. #75
    Senior User Spudly's Avatar
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    Ahh furry muff, its just a lot of people actually think they have the power to write it off, this is not true so dont worry youre not goona lose your car bud

  6. #76
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    total loss = written off then

  7. #77
    Senior User Spudly's Avatar
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    Quote Originally Posted by General Baxter
    total loss = written off then

    Total loss settlement you plum, unless they are the actual insurers providing the actual policy on the car in question (i.e. if it were insured and he was claiming from his own policy) then they cannot write it off as they dont own the cover on the car!


    Man wheres Ollie from Sky when you need him

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    Haha. If they want to give me in cash what it's worth then they can take it

    I'd go get a 320 and save myself a shed load on insurance

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    so i could of demanded they fixed my astra as it was not 'written off' ?

    even they they classed it as a total loss

  10. #80
    Senior User Spudly's Avatar
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    Quote Originally Posted by General Baxter
    so i could of demanded they fixed my astra as it was not 'written off' ?


    You shouldve gotten total loss settlement on it anyways, and obviously you wouldve kept the car anyways as you claimed from the other party did you not?

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