need peoples advise (insurance claim) or not

C

Chezsherman

Active member
 Newcastle upon Tyne
well ive found myself in abit of a situation. i was driving to get my daughter from school on tuesday gone and left work around 3clock, the water board are replacing some pipe work just down from where i work and the road is controlled by traffic lights because one side is closed. theyve dug quite a stretch of road up thing was there was this well to give you i idea of size bolder in the middle of the late which i didnt see til last minute due to the flow of traffic there were 2 vehicles in front of me british gas van and a bmw x5 directly i front so both these vehicles have high clearance missing this rock because of the late sighting and no where to go and couldnt help but hit it, bouncing off everything under the car.
The company doing the work are fast flow on behalf of Northumbrian water. I didnt stop straight away which i know i should have due to the fact i was getting my daughter from school and didnt want to be late... but i also knew i was travelling back up the road within the hour of collision which uve guessed no one was there when i went back down with my boss who seen it happen in the car behind me, to check for damaged road surface which there was and the rock that had been in the road which was there also. I phoned the number on the barriers and spoke to someone explained what had happened they logged my incident and told me some one would be in touch the next day which they didnt so i phoned them.
they eventually told me i had to claim through my insurance which is i process and car is getting a estimate tomorrow (monday 19th) at 2clock to see what damage has been caused my concern is my excess is £600 which i hadnt realised and i might not win the case because even tho in my eyes ive got a strong case its 50/50 whether it will go in my favour.
The damage is cosmetic from what i can see but until they get it on the ramps who knows what else is wrong.

Am not sure whether to proceed with the claim because i could be out of pocket for something that might not of caused that much damage apart from the front bumper crack?????

Has any one got any advice or had a similar problem

pictures to follow:





http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_165008.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=4

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_165048.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=5

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_165052.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=6

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_165219.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=7

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_170002_1.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=9

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_170008.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=10

http://s1168.photobucket.com/user/chezsherman/media/Mobile%20Uploads/20151013_170054.jpg.html?filters[user]=130066412&filters[recent]=1&sort=1&o=11

Just to add it's damaged the bracket in which the fog lamp attaches to the other side of the bumper and pushed my grill in.

Thanks for advice in advance

Craig
 
Have you already told your insurance company...??, Do you have protected no claims on your policy....?
 
The problem here is the proof of negligence directly caused by the contractors and potential witnesses. They will deny liability so your insurance takes it up with theirs? £600 excess is steep so you could be footing the whole bill for repair if no major damage done underneath. And to top it off, the claim is now recorded for future insurance purposes, especially if you change companies and have to declare it. Really hope that there is no major problem underneath as it's so easy to Cat D a vehicle these days and of course that is all recorded. Fingers crossed.
 
I think you're onto a loser here as Mark555 posts

You didn't stop, speak to the workers, take photographs, etc. so no proof it was their rock, in the road, etc. and you'll have an uphill battle to get anything from them. They've already started the denial process.

You've already reported it to your insurer so that's 'game on'. Protected NCD or not your premiums will just rise for the next x years and you'll have to declare an accident (your fault) for the next 5 years.

£600 excess sounds like it will more than cover the costs so you'll just end up paying all the repairs anyway

Personally I'd call the insurer, cancel or withdraw any claim, stating minor damage and no claim at all and stump up to fix it yourself once you are sure there's no significant damage.
 
Sorry to hear this bud, but as Cj, says I would fix it mysef, with that excess you have an the premium increases you'll get , it aint worth claiming,
I claimed for the first time a few years ago an even tho I had protected no claims it made no difference , got stung at renewal time, and for the next few years, tbh the only time I would claim now , , especially with the value of my Zed, is if I wrote it off,
Maurice
 
Thanks for the advice everyone. I have decided to close the case with no further action. It will stay on record but I was told if I change my policy to inform them that the case was cancelled with no settlement from the 3rd party.

I know there's not a lot of damage but it kinda escalated quite quickly with me being annoyed and not getting a straight answer from fast flow in the first place. With regards to premium next year will just have to see what happens if it does increase..... we shall see.

Thanks again for advice.

Craig
 
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