My daughter's car was hit by the car behind her at a roundabout a couple of weeks ago, i was with her at the time. She had just filled up her car with petrol and was heading for the car wash to hoover inside and clean the outside. She is moving into a shared house at the end of this month and the inside of the car was full of bits and pieces after taking unwanted items to the local tip and we needed to clean it. The lady who hit her exchanged details and it appeared the only damage done was to the cover for the light underneath the number plate on daughters car. We had been shunted out into the road so considered ourselves lucky. At the car wash we started to hoover and my daughter got a carrier bag out of the boot to put some bits too large to go up the hoover into. When she did this she then realised the boot would not reclose. The car had obviously been damaged in an area we couldnt see. Anyway to cut a long story short, insurance company contacted, curtsy car delivered and her car taken for repair. They have now said it is a write off, unable to repair. Obvviously she is not going to get anywhere near what she paid for the car, she has lost 50.00 of petrol as she had filled the tank for the month, also two weeks prior to this happening she had paid out 400.00 for a new water pump. She now has to get a loan to purchase another car and it is going to take a couple of years to repay that. Plus the insurance company say that they will take the rest of the years insurance out of the payment she receives even though they are not insuring a car!!! I dont understand at all how this works. Surely her insurance company will claim back any costs from the other woman's company as she was the one who drove into my daughter. They refuse to say why the car is unrepairable and the whole senario has been one big nightmare. My daughter is also having to go to a physio for a back issue she now has and he says there is damage to her right shoulder as well as her back. What is the point of having insurance, she is the injured party but it has cost her a fortune in money, physcial pain, and mental stress. She doesnt have a lot of money and needs her car for work as she works unsociable hours. Can anyone enlighten me as to what was the point of paying out each month for insurance and she has got nothing back so far!!!!! I thought insurance was to give you peace of mind but in this case it certainly hasn't.
New grandmother - advice?
Grandchildren - overcoming sadness
Life - are we luckier now?