prang advice

[Gumball]

this afternoon, i was about to go onto the M8 in glasgow and a felt a bump from behind. (in the car)

A white van had been behind me and the guy was waving at a bird across the road. he slipped the clutch and skudded the back of my test drive orange ST.

He gave me his details and apologised for not concentrating. fair enough.

now...........as its a demo do i just tell them and they charge his insurance the bill OR do i need to pay an excess even though its that pies fault???

advice appreciated

chris

[craigwrx]

It is now in the hands of the insurance companies, i am assuming because it was a demo, you where insured via the garage, is so you just need to pass on the details.

With regards to any excess, the garage should have pointed this out before u took the car, or maybe you even signed some papers ? If you are responsible for any excess, you will of course be able to claim it back at a later date, providing of course, that the other driver was to blame for the accident.

~Good luck ..

[scooby doom]

Sorry to hear about your prang, what a gim9.

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Unfortunately, it doesn’t matter who owns the ST as you were driving it at the time you have certain responsibilities.  Insurance would have to have been arranged prior to the test drive usually the garage’s own policy or one set up for the test, as I can’t imagine they’d be happy to let you take it out on your own policy as that would generally only provide 3^rd party cover.  So, assuming you have fully comp cover on their Ins and you were provided with the vans drivers Ins, there are several ways this could be dealt with although the follwing are the most likely and not an exhaustive list:

 

Van driver agrees to accept liability and agrees to pay for damage without involving Ins Co’s.  You pay no excess.

Van driver’s Ins Co agrees to accept liability and authorise repairs and pays the repairer directly.  You pay no excess.

Your (ST owners) Ins Co immediately authorises the repair of the damage to the ST and pay for it. They then ‘try’ to claim back the value of the repair from the van drivers Ins Co.  It will be up to your Ins Co to decide whether they want you to pay the excess up front or not.  If they don’t want you to pay they’ll then try to recover the cost of the damage in full.  If they’ll want you to pay they should try to recover the cost of the damage minus your excess, and may try to recover your excess too – just watch some Ins Co’s will make you try to recover your excess yourself from his Ins Co.  You may have to pay the excess.

Both Ins Co’s request details and sort it out in between them and eventually agree which driver is liable and what they will pay for.  Payment and recovery of cost of damage and excess same as No 3 above.  You may have to pay the excess.

Sounds like 100% his fault but you can never assume that with Ins Co’s till it’s done and settled.  Hope this helps.

[BJM]

Any update on what happened ? This could be good advice for anyone taking a test drive

Barry