Traffic-hater

My son was at traffic lights in Hertfordshire when a van ploughed into the back of his car. At the first inspection it was considered to a write off. However, the insurance company ordered a further inspection and decided that the car is repairable at a cost of nearly £6,000. My son and I are not happy with this as there is a future risk to my son, his children as well as any other passengers who may be in the car at the time of any breakdown or accident and the resale value would undoubtedly be affected. I have told by son to inform the insurance company that he, or his estate would hold the company liable in the event of the car causing injury or loss of life. To me I feel it is totally unacceptable that my son should be placed in a situation whereby, through no fault off his own, his car, a 2009 Corsa, is repaired and if immediately sold will be appreciably less than the current market price.

Asked on 4 October 2011 by BF, via email

Answered by Honest John
He can demand 10% 'diminution of value' of the car because it has been severely damaged and that 10% might be enough to swing the sums so the car becomes an insurance damage 'write off'. The insurer will certainly want to avoid a protracted repair during the course of which it has to provide a courtesy car or pay for an expensive ‘credit hire’ car.
Tags: insurance
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