During a visit to the UK, our unoccupied car was hit while parked.
No question about liability, the other party's insurer accepted liability and arranged a hire car to get us home.
Now the problems start. The UK insurer says the car is beyond economic repair. They phoned and offered €4000 in settlement. They refuse to budge from this.
I've done a search on several car sites in Ireland, and the cheapest car (same model and year, lower mileage) is €5250, and most are closer to 6000. So there's a huge gap in what they are prepared to pay, and the cost of replacing the car.
They basically said either we accept their offer, or claim through our own insurance. That carries risk of having to pay excess, loss of NCB, etc, if they can't recover the full claim.
It seems highly unfair, when we're not at fault, and the UK insurer can simply decide what to pay, regardless of the costs of replacement in Ireland. Has anyone any advice?
Thanks for any tips.
D
No question about liability, the other party's insurer accepted liability and arranged a hire car to get us home.
Now the problems start. The UK insurer says the car is beyond economic repair. They phoned and offered €4000 in settlement. They refuse to budge from this.
I've done a search on several car sites in Ireland, and the cheapest car (same model and year, lower mileage) is €5250, and most are closer to 6000. So there's a huge gap in what they are prepared to pay, and the cost of replacing the car.
They basically said either we accept their offer, or claim through our own insurance. That carries risk of having to pay excess, loss of NCB, etc, if they can't recover the full claim.
It seems highly unfair, when we're not at fault, and the UK insurer can simply decide what to pay, regardless of the costs of replacement in Ireland. Has anyone any advice?
Thanks for any tips.
D