Right, help me out folks!
On Monday I had my car t-boned by a van, no serious injuries, details exchanged, so reported it to my insurer.
Since then I've had no contact from my insurer (hastings), though the solicitor working on their behalf did contact me and take some details for personal loss/injury etc.
Today I got a letter from the other drivers insurance company (zurich), accepting full responsibility and therefore admitting liability.
In the letter they are inviting me to deal directly with them, which is tempting to be honest, as it means not having to fork out an excess, and hire car is sorted through them.
The worry for me however is that I think it's likely my car is going to be written off as the damage is quite extensive. It seems to me that Zurich would like me to deal with them directly in order to save them on costs, such as using their own repairer and hire company etc, and so I fear they would offer me rock bottom for my car. If they did I doubt I could replace it with a car as safe and well equipped, and I'd basically have no recourse but to accept whatever they offered and try and find the funds to buy something decent again.
It's only a Ford fusion, but it's got a good ncap rating, and is well equipped. The ncap is important, as I have a baby boy
Any advice is very much appreciated!
On Monday I had my car t-boned by a van, no serious injuries, details exchanged, so reported it to my insurer.
Since then I've had no contact from my insurer (hastings), though the solicitor working on their behalf did contact me and take some details for personal loss/injury etc.
Today I got a letter from the other drivers insurance company (zurich), accepting full responsibility and therefore admitting liability.
In the letter they are inviting me to deal directly with them, which is tempting to be honest, as it means not having to fork out an excess, and hire car is sorted through them.
The worry for me however is that I think it's likely my car is going to be written off as the damage is quite extensive. It seems to me that Zurich would like me to deal with them directly in order to save them on costs, such as using their own repairer and hire company etc, and so I fear they would offer me rock bottom for my car. If they did I doubt I could replace it with a car as safe and well equipped, and I'd basically have no recourse but to accept whatever they offered and try and find the funds to buy something decent again.
It's only a Ford fusion, but it's got a good ncap rating, and is well equipped. The ncap is important, as I have a baby boy
Any advice is very much appreciated!