HappyNudist Posted July 7, 2010 Share Posted July 7, 2010 Had a pretty horrific RTA in Nov last year, both cars written off, other party prosecuted for driving without due care etc. No charges against myself (the other driver) Just been told I can't claim for the cost of replacement car seats for my children, only claim for original cost less wear and tear etc. Is that right? Link to comment Share on other sites More sharing options...
SNACR Posted July 7, 2010 Share Posted July 7, 2010 Had a pretty horrific RTA in Nov last year, both cars written off, other party prosecuted for driving without due care etc. No charges against myself (the other driver) Just been told I can't claim for the cost of replacement car seats for my children, only claim for original cost less wear and tear etc. Is that right? Quite possibly. Sadly, general drill with car insurance is accept peanuts valuation for your car then screw them on the personal injury claim, Probably nothing to stop you suing the other driver privately for the cost of the child seats they've wrecked, Link to comment Share on other sites More sharing options...
Guest theboltonfury Posted July 7, 2010 Share Posted July 7, 2010 Had a pretty horrific RTA in Nov last year, both cars written off, other party prosecuted for driving without due care etc. No charges against myself (the other driver) Just been told I can't claim for the cost of replacement car seats for my children, only claim for original cost less wear and tear etc. Is that right? From memory, don't the car insurance say that anything added to the car is part of the home, rather than the car and to claim off them? Link to comment Share on other sites More sharing options...
6538 Posted July 7, 2010 Share Posted July 7, 2010 Had a pretty horrific RTA in Nov last year, both cars written off, other party prosecuted for driving without due care etc. No charges against myself (the other driver) Just been told I can't claim for the cost of replacement car seats for my children, only claim for original cost less wear and tear etc. Is that right? Sounds right, I mean are you expecting a brand new car out of the other party or the actual value of the one they wrecked? Having said that, the price of a new kids car seat in the whole scheme of the claim seems trivial, especially as it's difficult to attribute a value to a used one. I mean, it's either capable of protecting your kid or it isn't - if it's not, but was before, then I fail to see why you shouldn't be owed a new one. Link to comment Share on other sites More sharing options...
HappyNudist Posted July 7, 2010 Author Share Posted July 7, 2010 This is 8 months after the accident. I really hate to go down the litigation route but the damage it has done to my family is so substantial, and the credit card balance we now have means I have no choice. I wouldn't mind if we'd taken the pi@s buying new seats but for my eldest it was only 12 months old (she was 22 months old at the time) and for the youngest she was only 6 weeks. Link to comment Share on other sites More sharing options...
HappyNudist Posted July 7, 2010 Author Share Posted July 7, 2010 From memory, don't the car insurance say that anything added to the car is part of the home, rather than the car and to claim off them? Well this might be where it gets silly, We had this for the youngest http://www.preciouslittleone.com/product-information/19/8443/graco-quattro-tour-deluxe-travel-system---jupiter/ But we're trying to claim of his insurance (bearing in mind he was convicted of driving without due care etc) I'm just pee'd off! I thought insuarance was there to protect against this. Typo cos of whisky And your old avatar was so much better! Link to comment Share on other sites More sharing options...
SNACR Posted July 7, 2010 Share Posted July 7, 2010 Well this might be where it gets silly, We had this for the youngest http://www.preciouslittleone.com/product-information/19/8443/graco-quattro-tour-deluxe-travel-system---jupiter/ But we're trying to claim of his insurance (bearing in mind he was convicted of driving without due care etc) I'm just pee'd off! I thought insuarance was there to protect against this. Typo cos of whisky And your old avatar was so much better! An HPCer will be a long shortly to tell you this is more than they spend on a car. Link to comment Share on other sites More sharing options...
Grimbert Posted July 7, 2010 Share Posted July 7, 2010 An HPCer will be a long shortly to tell you this is more than they spend on a car. That's one tenth of what I paid for my car! It's less than I paid for the pushchair for child no. 3, though (£400). Don't ask. Link to comment Share on other sites More sharing options...
indirectapproach Posted July 7, 2010 Share Posted July 7, 2010 Err, I'm awfully sorry about this but legal eagles will know less about claiming for car seats or whatever you're talking about than you. Eagles don't deal with that stuff. Look for a pigeon with a broken wing. Once again, I don't mean to be unpleasant or anything but really ....? Link to comment Share on other sites More sharing options...
Lagarde's Drift Posted July 7, 2010 Share Posted July 7, 2010 An HPCer will be a long shortly to tell you this is more than they spend on a car. CHRIST ALMIGHTY!!! Wasn't there a thread months ago about how much parents spend on this shite? OP, I'm sorry, but there's no way you're getting the new cost of that pram back, you paid too much for it in the first place. Edit: You mention using credit cards... I'm sorry once again, but really ..... ? Do you require 14k per person per annum to live on? Link to comment Share on other sites More sharing options...
Dubai Posted July 8, 2010 Share Posted July 8, 2010 I'm not sure that this is worthwhile advice but..... if you haven't done so already, have you considered using one of those lawyers that specialise in accident claims on a no win, no fee basis? Yes, they will take a chunk of your payout, but on the other hand if the insurance company think they can stitch you over, they will. If they are dealing with a lawyer, they will be far less inclined to pull fast ones. I don't think that you should lose one penny as a result of this, and I also think you should be compensated for all the time, effort and stress of dealing with it. That's exactly how an accident lawyer will see it.... the bigger the claim they arrange, the bigger their cut. It really might be worth a "free consultation". You are on a rocky road if you try to do this yourself. Good luck in any case. Link to comment Share on other sites More sharing options...
Tin Foil Hat Posted July 8, 2010 Share Posted July 8, 2010 get over to pistonheads and find a member called "annies dad" who's a claims specialist and very highly recommended by other members. Link to comment Share on other sites More sharing options...
sleepwello'nights Posted July 8, 2010 Share Posted July 8, 2010 Had a pretty horrific RTA in Nov last year, both cars written off, other party prosecuted for driving without due care etc. No charges against myself (the other driver) Just been told I can't claim for the cost of replacement car seats for my children, only claim for original cost less wear and tear etc. Is that right? Seems right, most insurance indemnifies you. It pays the original cost less a proportion for wear and tear. Some policies extend the cover to new for old. If so they pay you the cost of replacing an item that is the subject of an insurance claim with a new item of similar quality. It's all in the small print. Link to comment Share on other sites More sharing options...
profitofdoom Posted July 10, 2010 Share Posted July 10, 2010 Seems right, most insurance indemnifies you. It pays the original cost less a proportion for wear and tear. Some policies extend the cover to new for old. If so they pay you the cost of replacing an item that is the subject of an insurance claim with a new item of similar quality. It's all in the small print. Get yourself an ambulance chaser on no win no fee. Had two accidents in the same circumstances as yourself .The Insurers are shiesters of the highest order. I can give you a name if you want one.Claim for everything. Link to comment Share on other sites More sharing options...
HappyNudist Posted July 10, 2010 Author Share Posted July 10, 2010 Have legal cover with insurance so ambulance chasers already on the case - it was them that told me I couldn't claim for replacement costs. I don't mind, the replacement cost is less than the original cost so even with wear and tear I'm still quids in - just thought it couldn't be right, surely insurance exists to protect in these cases? Naive maybe... Oh and for those who said f&&k me at the cost etc. When our car finally came to rest I had to kick the door open to get out, I had to put my foot on the panel by the boot to pull to the door open to get my youngest out (6 weeks) and then do the same for my eldest. My wife had to climb over my seat to get out. The other car was a 4 x 4 on an 09 plate with just under 7k on the clock and it was a write off. There is no price too high for good quality child seats that work. Link to comment Share on other sites More sharing options...
Guest theboltonfury Posted July 11, 2010 Share Posted July 11, 2010 Have legal cover with insurance so ambulance chasers already on the case - it was them that told me I couldn't claim for replacement costs. I don't mind, the replacement cost is less than the original cost so even with wear and tear I'm still quids in - just thought it couldn't be right, surely insurance exists to protect in these cases? Naive maybe... Oh and for those who said f&&k me at the cost etc. When our car finally came to rest I had to kick the door open to get out, I had to put my foot on the panel by the boot to pull to the door open to get my youngest out (6 weeks) and then do the same for my eldest. My wife had to climb over my seat to get out. The other car was a 4 x 4 on an 09 plate with just under 7k on the clock and it was a write off. There is no price too high for good quality child seats that work. You are absolutely right. With mine, 22 months, I put my foot down on the over expensive showy offy styl;e prams, but when it came to the car seat, I bought the best I could find. It could (and probably did in your case) save a life. If people want to then pass snide judgement on your credit card bills as a result, then f**k them. Link to comment Share on other sites More sharing options...
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