I’ve never dealt with any of this before, so don’t know if I’m getting fobbed off or not.
Without going into detail and outing myself, we’ve recently had a lot of damage done to lots of our belongings.
The person that did the damage is insured and their insurance company has agreed to take on full liability for the claim.
The insurance company has asked us to photograph approx 40 of our broken belongings and also find screenshots of similar items so they can gauge the price.
This is taking forever.
Also, instead of wanting to pay the full amount of the broken belongings they are trying to pay us a percentage, as lots of things aren’t unusable, but are still damaged.
An example of this is a pushchair wheel was buckled in the damage, insurance company are saying they will pay 10% of the damaged pushchair so £50 of the £500 cost.
If they do this for every item I’ll be running round like a headless chicken trying to take things all over the place to get repaired.
Is this right or should they accept full liability for the damaged items?
They won’t send an assessor out, but want us to document the damage and estimate of costs, but then they are haggling with us re paying out.
Surely this is really unfair that none of this was my fault and they’ll only pay out a percentage of each item?
Other things have dents and scratches and other damage. What use is 10% of an item when I’ll have to find a repairer and then ferry things round getting them repaired?
Hard to explain, but for example a dining table with scratches on, they want to pay 10% of the cost of the table and for me to find and transport a table to a furniture repair place to get it repaired with the £40 they are suggesting.
It’s ridiculous.
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AIBU?
To argue with insurance company?
39 replies
whattoexpectnow · 10/03/2019 16:31
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