I hope somebody can help.
While legally parked last week my Astra car was reversed into by a van.
Causing a large amount of damage to front passenger door.
I phoned my insurers the AA who informed me that as I only had TPFT
insurance they would put me in touch with a company who dealt with non fault
accident damage claims the company is called Helphire.
After having an estimate I have been informed today that the car is a "road
worthy write-off" and there is nothing more Helphire can do and that I must
try and claim now Via the AA,But they feel there is not a lot I can do.

Now I'm a little miffed and confused as I was legally parked the girl
reversed out from a side road straight into me,She left contact details and
gave me her insurance policy details.
Any ideas as to what may happens next or is that it and I'm to drive around
in a damaged car,
Any help appreciated as at the moment I'm totally pi***d off.
thanks,
ADAM

You should be able to claim from the girls insurance.
Its only when you do the damage that you can't claim with TPFT cover

Maybe you should ring the AA again and ask to speak to someone of a bit
more seniority than a phone monkey.
"AD" wrote in message
...
I hope somebody can help.
While legally parked last week my Astra car was reversed into by a van.
Causing a large amount of damage to front passenger door.
I phoned my insurers the AA who informed me that as I only had TPFT
insurance they would put me in touch with a company who dealt with non
fault
accident damage claims the company is called Helphire.
After having an estimate I have been informed today that the car is a
"road
worthy write-off" and there is nothing more Helphire can do and that I
must
try and claim now Via the AA,But they feel there is not a lot I can do.

Now I'm a little miffed and confused as I was legally parked the girl
reversed out from a side road straight into me,She left contact details
and
gave me her insurance policy details.
Any ideas as to what may happens next or is that it and I'm to drive
around
in a damaged car,
Any help appreciated as at the moment I'm totally pi***d off.
thanks,
ADAM

"AD" wrote in message
...
I hope somebody can help.
While legally parked last week my Astra car was reversed into
by a van.
Causing a large amount of damage to front passenger door.
I phoned my insurers the AA who informed me that as I only had
TPFT
insurance they would put me in touch with a company who dealt
with non fault
accident damage claims the company is called Helphire.
After having an estimate I have been informed today that the
car is a "road
worthy write-off" and there is nothing more Helphire can do
and that I must
try and claim now Via the AA,But they feel there is not a lot
I can do.

That is absolute rubbish. Are you sure they didn't say there was
nothing further _they_ could do? TPFT doesn't include fighting a
claim on your behalf.
You have to do that yourself, or pay someone to do it for you.

Now I'm a little miffed and confused as I was legally parked
the girl
reversed out from a side road straight into me,She left
contact details and
gave me her insurance policy details.
Any ideas as to what may happens next or is that it and I'm to
drive around
in a damaged car,

Only one thing you can do by the sound of it.
Send her a claim. For it's pre-accident value. IOW, what it
would cost you to replace. You could get a reputable dealer to
give it to you in writing, and/or find and copy a few
advertisements for Astra's of a similar age and condition. Also
include any incidental expenses so far incurred.
Your claim is against her as the driver responsible. Not her
insurance Co.
It's then up to her to either pay up herself, or forward it to
her insurance Co. No doubt she'll take the latter option, but
it's her decision.
Make your claim a little on the generous side, as no doubt if
her insurance Co accepts you have a claim, they'll try to
negotiate a lower total. Upping it a little gives you a some
leeway.
Until it's settled one way or the other, carry on using the car.
BTW, if they do pay for a replacement. They get to keep your
car. They'll recover whatever they can from it's sale.
Mike.

On Mon, 11 Aug 2003 15:38:54 +0100, "AD"
wrote thus:

I hope somebody can help.
While legally parked last week my Astra car was reversed into by a van.
Causing a large amount of damage to front passenger door.
I phoned my insurers the AA who informed me that as I only had TPFT
insurance they would put me in touch with a company who dealt with non fault
accident damage claims the company is called Helphire.
After having an estimate I have been informed today that the car is a "road
worthy write-off" and there is nothing more Helphire can do and that I must
try and claim now Via the AA,But they feel there is not a lot I can do.

Now I'm a little miffed and confused as I was legally parked the girl
reversed out from a side road straight into me,She left contact details and
gave me her insurance policy details.
Any ideas as to what may happens next or is that it and I'm to drive around
in a damaged car,
Any help appreciated as at the moment I'm totally pi***d off.
thanks,
ADAM


All TPFT does is what it says it does... did you expect more? You are
amazingly lucky the if girl left the right contact details, and you can
get in contact with her. With Third Party, your insurance company is not
going to do the work for you, that's one of the reasons it's cheaper than
comprehensive. You've got to chase up this girl, and her insurance
company, and get payment.

Third Party means that the insurance is there if you do damages yourself
that you can't pay. To clarify... to start, there's RTA (Road Traffic
Act), which is the minimum legal requirement, then TP (Third party, you're
covered for the costs of others (I think, can someone clarify the
difference between RTA and 3P?)). TPFT Just adds fire and theft to TP.
Comprehensive is a different ball game. You've got to look at the terms
of your own insurer.

--
Ben Green, ISBD Ltd.