Any advice

renaultvation

renaultvation

0
On Thursday night we had thet dreaded call from my youngest son "I've crashed my car!"

When we arrived at the scene the police and ambulance were already there. He had managed to roll the car three times before it settled in a ditch and he and his friend managed to scramble out of the tailgate. All we were concerned with was whether the boys were alright, but after x-rays, and a cat scan they were both discharged with just cuts and bruises. They were very lucky as one of the paramedics was surprised that anyone had got out of the car alive.

Having got over the trauma of the accident, we are now faced with the problem of insurance. There were no other cars involved and I suspect the trade value of his car is only going to be about £2,000, if that. He will have to pay an excess of £750 and his premiums will no doubt go through the roof (he is 20). However, the cost of removing the car, storing and disposing of it will be taken care of.

Alternatively, he can avoid the claim, but will suffer a total loss and have to pay for the removal and storage of the car and arrange for its scrapping. I am sure this will cost more in the short term, but may cost less in then long term, when taking future premiums into account. Has anyone else had any similar experience?

I should be able to find out the removal and storage costs on Monday and have been told that Manchetts (who recovered the car) should be able to arrange the scrapping for us. I have no means of moving the car myself.

Any thoughts?


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'I intend to live forever - so far, so good'
 
My first thoughts are so glad they are ok kids eh !

get the scrap lads to take the car ? an expensive lesson for your son hopefully he has learnt something from it (I know I did at his age only I was on two wheels! )

avoid the claim imo purely because of costs
we have a trailer bit far for us though ? presuming bury

if he gets another car fairly soon will he be asked whats happend to the car thats already ins won't they know any way? computer data base?
what a worry!



Commer Dandy by Dandy Caravans
The Colonel Mustard
 
Ooh nasty [:0] sounds like they were very lucky to get out unscathed.
Personally i would avoid claiming :)

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"You,re only supposed to blow the bloody SLIDING doors off"
 
I would imagine regardless of any claim your next lot of insurance would be void if you did not declare the crash?? Most companies share data immediately.

The insurance companies generally ask whether you have had any crashes or claims regardless of settlement.

A difficult one to call.

Glad the lads got out ok! I did a similar thing at their age but of course insurance was a lot different then.

It did of course improve my driving!:D



Ruperts on the mend!!

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That is nasty but thank god they are all ok.
Its a difficult decision as to whether its worth claiming but you need to be careful as the Police and Ambulance service are involved, its all going to be logged and insurance companys have a habit of finding out ( usually from the hospital...no win no fee!), even if you decide not to claim but tell them of the accident, which legally you probably should, your sons premiums are going to rocket, if you say nothing and insure another car and he has another knock, even if its not his fault, and the insurance find out about his accident they will cancel the policy due to "failure to disclose!"
Another horrible consequence is that your sons friend can sue him for injury and he will already have had his details passed on to a firm of no win no fee sharks!
Your son is in a nasty situation and its possibly best to seek legal advice from the CAB or a solicitor.
I honestly wish you all the best with it.
 
The car can be replaced but the lads cannot so we have to count our blessings that they are all OK. The insurance issue is a dodgy one but I think I would find out if you can get him as a named driver on your insurance. It's lads like him that have to suffer the ridiculous insurance chargers brought on mostly by car thieves with the stupid name of "joy riders"
 
Thanks for the advice. The insurance company is already aware of the accident, but it was them who suggested it may be worth our while not claiming!

The police have said that they will have to report him for careless driving, but will be recommending that he attends a driver awareness course. We will await the outcome of that one - they were excellent with him at the scene, caring and not heavy handed. When I spoke to them afterwards they said he had learnt his lesson the hard way. Most of us have been carelsee at times, but usually we get away with it.

It was a big lesson and he has had trouble sleeping since, running through it over and over, thinking of the possible outcomes. He will get over it, but he won't forget it, I still remember some of my near misses when I was young and they were minor by comparison.

th_CommerWanderer001.jpg


'I intend to live forever - so far, so good'
 
Smashed up my Mum's car a few months into my driving life and ended up in court over it. Certainly taught me a lesson.

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Spare a Commer Guv?
If I told you I was a pathological liar, would you believe me?
 
Hi, i am really glad that the boys are o.k. It must of been terrible to have to go through it all. My sister took my dads rs turbo one new years eve, her boyfriend was driving and they both ended up in a ditch about a mile from our house. The car was writtn off and my dad lost a load of money on the car. Amazingly about two years later he got a phone call off someone asking if the rs turbo had been in a crash because they had brought it. I think you should at least declare the crash even if you don`t claim.
 
What is about insurance companies [:(!][:(!][:(!][:(!][:(!][:(!][:(!]

Arranged with Manchetts yesterday to take my son to see the car today so that he can get closure. As arranged, I rang before we left only to be told that the insurance company had removed the car to their storage. I rang the insurance company (Aviva)and asked them what they were doing as we had not yet decided whether to claim and it was still our car and where had they taken it. I was told that it was 'normal practice' for write-offs to be removed to their own storage to keep storage costs down and why would my son need to see it as they can return any personal belongings. He could not confirm where it had bee taken, but it could be Hockley in Essex and we would still probably be able to go and see it - not exactly on the doorstep of Bury St Edmunds. My son is not yet up to long car journeys and the Jag uses nearly as much petrol as a Commer.

I have formally complained to the company and reported them to the police for taking a vehicle without the owner's consent (the police reckon there is probably a let-off clause hidden in the smallprint somewhere). I know I cannot win, but I need to get it off my chest! [:(!][:(!][:(!][:(!][:(!][:(!][:(!][:(!][:(!]

th_CommerWanderer001.jpg


'I intend to live forever - so far, so good'
 
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