B
Bottle3
Guest
Hello,
Recently I had a wall fall on my car. It was during the high winds before Christmas. The problem is the the reason behind the wall falling is that behind it was a construction site. The builders were reclaiming the original bricks of the wall and rebuilding. This caused the structure to be unstable and fall on my car.
I have had an engineer look at the pictures taken and an unofficial report stated that in fact it was the structural damage that was at fault for the wall falling.
I have had to claim off my insurance company to have my car fixed and back on the road. The damage was almost €5k not including the excess fees I had to pay myself to the garage amounting to almost €250 including a day extra car rental as the car wasn't fixed on time and I went over the maximum covered car hire.
I was informed that if I wanted my no claims bonus back I would have to pay back the €5k to the insurance company. I will have to tackle this issue myself and go to a lawyer and claim off either the owner of the wall or the builder (who in fact is insured under the same company as I). These legal wranglings are obviously going to be very expensive and drawn out.
Can you give me guidence on how to handle this matter :
Should the insurance company have handled this claim and went through the legal aspect of this case?
If so, how do I press them insurance company to do so?
If not, what is the cheapest and most effective way to handle this matter.
Regards & Thanks,
Michael O'Grady.
Recently I had a wall fall on my car. It was during the high winds before Christmas. The problem is the the reason behind the wall falling is that behind it was a construction site. The builders were reclaiming the original bricks of the wall and rebuilding. This caused the structure to be unstable and fall on my car.
I have had an engineer look at the pictures taken and an unofficial report stated that in fact it was the structural damage that was at fault for the wall falling.
I have had to claim off my insurance company to have my car fixed and back on the road. The damage was almost €5k not including the excess fees I had to pay myself to the garage amounting to almost €250 including a day extra car rental as the car wasn't fixed on time and I went over the maximum covered car hire.
I was informed that if I wanted my no claims bonus back I would have to pay back the €5k to the insurance company. I will have to tackle this issue myself and go to a lawyer and claim off either the owner of the wall or the builder (who in fact is insured under the same company as I). These legal wranglings are obviously going to be very expensive and drawn out.
Can you give me guidence on how to handle this matter :
Should the insurance company have handled this claim and went through the legal aspect of this case?
If so, how do I press them insurance company to do so?
If not, what is the cheapest and most effective way to handle this matter.
Regards & Thanks,
Michael O'Grady.