February 6th, 2010 → 6:21 pm @ admin // 4 Comments
I had an accident about 4 years ago. My car was repaired by Ford through my insurance company, I was told everything was ok and all I had to do was pay my excess.
However I am just about to sell my car and it has been recorded as a CAT D – which is a write off and registered as a total loss, the insurance company however didn’t offer me any money or anything to the value of the car or didn’t even say it was a write off!!! Is this legal? and what do I do now?
There is being an investigation now between the garage and insurance company and the HPI company but when will become of this?
Bardic
7 months ago
Basically its just a paperwork c*ck-up. Somewhere, either at the insurers, DVLA or HPI the wrong box has been ticked. One thing’s certain, they wouldn’t have sanctioned and paid for the repairs if they’d intended to write it off. You need to wait and see who admits to it!
Laredo
7 months ago
Your insurance adjuster is responsible for this mess. Have your attorney lodge a complaint against both the insurance company and its adjuster and ask for full reimbursement. You may also want to include the Ford dealer who lied to you about your car being okay. If you still owed for the car that may be where the “write-off” came into play.
If you would like, for a fee, you can get a copy of the records on your car, and also lodge a complaint at http://www.carfax.com
You should stay on top of the garage and the insurance company to let them know you are not going away without some cash in your hands.
Anonymous
7 months ago
A Cat D Total loss doesnt mean anything, it just means that you were offered the money to repair the car yourself, you dont even need a VIC check with VOSA. Its perfectly acceptable, however the insurer usually gives you a certain amount to repair the car minus a salvage fee.
xXx
7 months ago
It would mean that you would get less money for your car then average if this stays. but it would have to be recorded as having an accident somewhere which will lower value also!