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Panoramic sunroof damaged in accident, but insurers won't pay
My 2009 Fiat Grande Punto was hit in a rear end collision. The car has a panoramic sunroof, which was fully opened at the time of the shunt. Prior to the incident it worked perfectly.
Immediately after the crash I reported the situation with the sunroof being stuck open, as the insurance company said it was unsecurable because of this and the car would need to be collected immediately. The insurer took my car away for an assessment who have confirmed that both vessels need to be replaced, they did however also state in their opinion this damage could not have been caused by the crash.
My insurance company has authorised the repair to the rear end but are refusing to authorize the sunroof repair because of this assessment. What should I do?
Immediately after the crash I reported the situation with the sunroof being stuck open, as the insurance company said it was unsecurable because of this and the car would need to be collected immediately. The insurer took my car away for an assessment who have confirmed that both vessels need to be replaced, they did however also state in their opinion this damage could not have been caused by the crash.
My insurance company has authorised the repair to the rear end but are refusing to authorize the sunroof repair because of this assessment. What should I do?
Asked on 11 November 2014 by martwho
Answered by
Honest John
Simply tell the insurers that if they don't fix the sunroof that was obviously damaged in the crash, then you will have it fixed professionally and will sue them in the small claims track of the county court for the bill because they have breached the "absolute good faith" term of your insurance contract.
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