bmw 318d - legal cover on 7 day policy

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Wed 9 Mar 2011 10:35
bmw 318d - legal cover on 7 day policy - hi135

having bought a 10 plate bmw 318d,10 days ago,i have been unfortunate to have been hit from behind on my first day in the car,a 4/4 landrover ran into the back leading to caving in of the back and boot

i was on 7 day cover from bmw which i now find does not cover the legal costs

what are my options for claim regarding repairs/personal injury sustainned,can some one suggest please

Edited by hi135 on 09/03/2011 at 10:36

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Wed 9 Mar 2011 11:20
bmw 318d - legal cover on 7 day policy - LucyBC
Contact me via asklucy@honestjohn.co.uk and I will cover your legal costs using an AutoLaw policy which is designed to deal with these circumstances.

Please include a name, as much detail as you can and a telephone contact number.
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Wed 9 Mar 2011 12:06
bmw 318d - legal cover on 7 day policy - Falkirk Bairn

3rd party 100% to blame just claim off the 3rd party insurer - damage,expenses - hire a reasoable priced car, quotes from gargae - send them off and tell time time is of the essence.

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Wed 9 Mar 2011 12:50
bmw 318d - legal cover on 7 day policy - LucyBC
There's an injury though so it needs all wrapping up in a single claim and all the lot (repairs, hire, ULR, injury) putting through the fast-track protocol.

I was/am going to write him an Autolaw After-the-Event policy for which he does not pay - it's paid for by us. Furthermore he avoids all the hassle.
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Wed 9 Mar 2011 17:27
bmw 318d - legal cover on 7 day policy - bonzo dog

Autolaw After-the-Event policy for which he does not pay - it's paid for by us

Or paid for out of the inflated settlement?

Tame doctor diagnosing whiplash; large legal bills; BMW on hire at ££££££££ per minute

Sounds lke my wife's (& everyone else's) insurance will be going up next renewal!

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Wed 9 Mar 2011 19:28
bmw 318d - legal cover on 7 day policy - hi135

apologies for increasing your premiums but i have been paying the same,and also have had my other cars premium go up yesterday as this claim i have is yet to be decided

so for no fault of mine i have lost use of my new car,lost resale value and have my premium hiked already

having not been an accident before i was looking at guidance as i dont want unjustfied claim

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Wed 9 Mar 2011 20:32
bmw 318d - legal cover on 7 day policy - bonzo dog

Hi hi 153, not having a pop at you in any way & apologies if it came over that I was.

If someone else pranged you I'm definitely in favour of the guilty party making good your losses.

My concern is that when loss recovery businesses get involved the settlements seem to go higher & higher. Is this explained by them simply being very good at their job & maximising the settlement for their client or is it because the settlements get inflated in order to maximise their return?

I was involved in an acident a number of years ago & the solicitor asked me if I had suffered any injury; I said no. He then told me that if I went to Dr So & So on his recomendation this Dr may determine that I had in fact suffered whiplash which would give me £500. I did not but another person involved did so.

About 5 years ago my brand new Vectra was bumped by a neighbour resulting in 3 days off road for body repairs. The repairer gave me a Corsa loan car; it got me from A to B for 3 days. An accident management co would have insisted on a like for like car with their wack on top. Do I think you should be entitled to a replacement BMW for the time yours is off the road - yes, if you lke, I just think that the guilty party should pay for the difference not the insurance.

Anyway, good luck with getting your car & financials sorted out quickly

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