Can third party insurance write car off.

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Wed 9 Dec 2009 17:05
Can third party insurance write car off. - gymbabe
Hi All

A question for you regarding my mums car.

My mum was in a accident where she was hit from behind - the damage was minimal and the third party has admitted liability.
My mums insurance company has said that her insurance is invalid due to her not notifying them of a spoiler they had fitted to to the car ( she did notify them by email with a picture attached and is going to take further legal advice re this matter).

So that she can get her car fixed she is now going through the third parties insurance, who have told her today they dont know if they are going to write her car off!
I have read on the internet on a few websites that if the third party admit liability then they are bound to fix my mums car and not write it off - is that correct?

if they do write if off and it is only a C 0r D write off, my mum wants her car back, approximately how much does it cost to purchase your car back from the insurance company?

thanks

Shouting sushed !

Edited by Pugugly on 09/12/2009 at 17:25

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Wed 9 Dec 2009 18:14
Can third party insurance write car off. - jbif
My mums insurance company has said that her insurance is invalid due to her not notifying them of a spoiler they had fitted to to the car >>


Tell the Insurer that you wish to take the matter to the Ombudsman for adjudication. The insurer should NOT invalidate the policy (unless the modification is something major that affects the performance and/or repair-value or makes it attractive-to-thieves ) but instead the Insurer should ask you to pay the extra premium that was due with the car in the "modified" state.
Can third party insurance write car off. >>

There are many threads on this forum dealing with your other questions. Use the forum search button (next to the "log out" button) to try to find them.
Also read HJ's FAQs, www.honestjohn.co.uk/faq/index.htm
nos. 18, 75 and 104 (but the numbering is all out of kilter on the actual webpages).
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Wed 9 Dec 2009 20:50
Can third party insurance write car off. - Doc
So that she can get her car fixed she is now going through the third
parties insurance who have told her today they dont know if they are going to
write her car off!
I have read on the internet on a few websites that if the third party
admit liability then they are bound to fix my mums car and not write it
off - is that correct?


Yes!
Insist that your vehicle is returned to the condition before the accident, as they have admitted liability.
You should not be in a disadvantaged position because of the fault of others.
Also, you can choose where you get it repaired.


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