Excess insurance car hire spain,java bean validation library,how much does it cost to prepare a will in canada 2014,1987 gm vin decoder - For Begninners

16.11.2015
A After having a car accident, regardless of whether it is your fault or not that your vehicle is written-off, you may be offered a pittance from your insurer, leaving it difficult for you to replace your old motor.
A low valuation often seems almost inevitable and it can leave owners feeling frustrated and wondering how they are going to replace their vehicle like-for-like. Industry body the Association of British Insurers says car insurance companies must offer you a proper payout for the value of your car. This means you must be offered a sum that will allow you to buy a like-for-like car in a similar condition in your local area. The problem is that car prices are negotiable, and it is rare for the driver and insurer to agree on what a car is worth. So what can you if you believe your car has been undervalued by the insurance company and you're not happy with the amount offered? An ex-industry insider, who wishes to remain anonymous, says: 'When I worked in claims, some handlers would offer bottom book price as a starting point, even though that was less than the condition of the car deserved.


Make sure you get your evidence ready in the event they make a low offer - if you have advertisements for cars currently for sale similar to yours at a higher price then you are not being delivered what you are due, as you can't replace the car like-for-like.
Have a look in local forecourts, the local newspapers and car selling websites to get an idea of a price a like-for-like car will cost.
Get together a list of similar cars in your area, with similar mileage and make sure you watch out for things like full service history, if you had one.
You can get an independent assessor to take a look at the car, but this can be a risky route. You will be told that, for a small non-refundable fee, you can employ an assessor to value your car. The assessor's decision is final - if they decide the car is worth less than the insurer originally offered you, you could end up even more out of pocket.
Our insider says: 'If you still think the insurer is trying to undercut you then insist an independent assessor looks at the car, they will have to go with what the independent assessor says.


The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. Asda, Tesco, Sainsbury's and Morrisons to cut petrol prices, but as campaigners ask 'who is fleecing the motorist' should costs be lower? They know you are likely to need a new car quickly, so pile on the pressure to get you to accept a payment. WhatCar's free car valuation service will also give you a good indication as to how much the car is worth. The problem is that most insurers know drivers will be so fed up with the situation by now that they relent.



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