Quote:
If your plated vehicle gets hit and the 3rd party admit liability (and happen to be insured) the fastest conclusion will come not from using an "accident management company" nor contacting/claiming off your insurance, get the 3rd parties brokers details (or insurance company), ring them and point out your vehicle is your income and living, I can assure you that once the penny drops you will get fast tracked to a conclusion, the 3rd parties insurers want you off their "books" as you may claim loss of income too.
My previous saloon took a hit, within 7 days i had a cheque for the agreed value and 7 days later another cheque for all the associated costs (plating, meter fitting, signs,etc) plus when the assesor called i agreed a scrap value for my car (on my drive) and used it for parts to repair another car, and sold bits off it too.
If possible get your vehicle back onto your drive/property then YOU are in charge, if its taken by recovery to a storage yard you have no control over what happens.
This is sound advice. Most insurance co's will prefer to sort out any claim being made against them by another party i.e. you. Sadly Common Law is the enemy when it comes to the settlement value of your car. There is no requirement for the insurance co to pay you anything different than what you could realistically have expected to sell it for privately immediately before the crash. They don't have to pay you more just cos the council has age limits at first plating. But don't forget to include the cost of plate transfer and rewiring comms equipment or any special signs etc.
If the nipper has taken the car without consent you may have a problem or if its really the kid's car and grandad has fronted it for him. Fingers crossed for you.
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](./images/smilies/eusa_wall.gif "Brick wall")
all I need to do is go up the office show them the docs for the car and literally throw the radio into the car in some fashion and i'm good to go.