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Is it worth pursuing insurance claim?

27 replies

Underit · 17/12/2021 21:30

Will keep it brief - I’m in two minds whether to pursue some damage to my property.
Gentleman was giving his girlfriend a driving lesson and she mounted the curb and hit the fence to my garden. They knocked on and explained what had happened and he said he was in the trade and asked if I would allow him to repair the damage himself - I agreed. He put a temporary fix in place 2wks later and said he would return with correct tools at a later date to make the repair permanent- he didn’t return. In the meantime strong winds have pulled down the 40ft fence completely and it’s now not repairable - I believe had his girlfriends accident not weakened the fence in the first place the fence wouldn’t have fallen down at all! He is now refusing to accept any liability or carry out any further repairs? I won’t go into specifics but our insurance won’t pay out for the replacement and so I’m left with no fence and an open garden leading onto a main road and quotes to fix from several tradesmen in excess of £1500. I don’t feel it’s fair I have to pay this but don’t know whether it’s worth the headache or how simple it would be to pursue a claim through his car insurance? Any advice would be appreciated as I am just fed up with it and don’t know where I stand. TIA

OP posts:
WildImaginings · 20/12/2021 18:32

I've had to deal with some particularly annoying third party motor insurers this week through work so apologies for the essay length responses! WineXmas Blush

Underit · 20/12/2021 21:29

I’m so glad I posted now, it’s been good to get other peoples advice because I just couldn’t think straight. We have decided to just cut our losses and pay it ourselves and lesson learnt for future reference. We can’t prove clearly enough that the fence would still be standing had it not been hit so we will save our sanity and just pay out - bang goes my Christmas list to Santa! Thankyou all very much it is really appreciated. Merry Christmas Xmas Grin

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