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Diagnostics, Tuning, Modifications and Maintenance - all Hondas => Dealers & Insurance => Topic started by: RichardA on July 04, 2013, 08:39:18 PM

Title: Four car shunt
Post by: RichardA on July 04, 2013, 08:39:18 PM
My Jazz was rear ended last Sunday. I was stationary in a queue of traffic, heard a screeching of brakes behind and glanced in my mirror to see the car two cars behind get hit from behind, shunting it into the car behind me and subsequently into my car.

The dent in the bumper popped out instantly, but it appears the nearside chassis rail ripped a hole in the rear bumper - that's about an inch from the inside of the rear bumper - and the chassis rail has about half an inch of scuffing but appears to be straight. No kinks in the boot floor/rear, unlike the car that got hit first. I have no idea what damage is behind the rear bumper though.

Title: Re: Four car shunt
Post by: Garyman on July 04, 2013, 09:40:41 PM
Sorry to hear about this Richard.

Isn't this at least the third accident your Jazz been in?
Title: Re: Four car shunt
Post by: RichardA on July 04, 2013, 10:24:58 PM
Fourth if you count the one that pulled out of a side road and into the side of my blue Jazz back in '05!
Title: Re: Four car shunt
Post by: RichardA on July 05, 2013, 10:38:31 AM
A claims handler is dealing with it and not directly my insurer. They say I won't have to pay my excess unless liability is disputed and it looks like they will contact the first driver's insurer and not claim off the one behind me. This is a new approach to what I'm used to, is there anything I should be aware of ?
 

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Title: Re: Four car shunt
Post by: guest334 on July 05, 2013, 06:21:19 PM
Talk to your own insurance today.
Title: Re: Four car shunt
Post by: RichardA on July 12, 2013, 10:40:27 AM
Had some quotes between £757 & £1173 for new bumper & rear panel behind.

 

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Title: Re: Four car shunt
Post by: chrisc on July 12, 2013, 02:48:10 PM
You are obliged to notify your insurers of any possible loss, so they can protect their and your interests.  Best not to get involved with owners, let the ins co sort it out

In May a van towing a trailer with a small boat on top came around a corner where I was at a stop street, the boat flew off and hit my Jazz.  Repairs were £3500.

Now the driver has selective memory (quite common) and says I was on the wrong side of the road.  I suppose any excuse is better than no excuse.
Title: Re: Four car shunt
Post by: RichardA on July 12, 2013, 03:35:07 PM


It was my insurer who referred it to their claims handler who will deal directly with the third party insurer as it is non fault.

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Title: Re: Four car shunt
Post by: RichardA on July 25, 2013, 09:43:20 PM
The claims handler got in touch to inform me that because the third party is foreign, it could take a while to sort it out due to the language barrier. So they recommended that I claim off my insurance policy and then send them the receipt so they can claim back my excess.

I contacted my insurer and they put me in touch with their recommended repairer some 30 miles away. I informed my insurer that I wished to use a repairer closer to me but was told there would be an additional excess of £250 should I take this route!

Google suggests that it is common with insurers these days to clobber you with an additional excess should you choose where you wish to have your car repaired.

Title: Re: Four car shunt
Post by: madasafish on July 26, 2013, 01:06:00 PM
Tell your insurer your additional costs for a further away repairer... itemise them - will exceed £250..
Title: Re: Four car shunt
Post by: monkeydave on July 26, 2013, 05:59:43 PM
they should collect your car and take it to the repairers and leave a car for you to use for 14 days on most comprehensive insurance, they def should collect it even if you dont get a car to use, it is only third party insurance makes you take you car and faf about

sorry to hear about your car, it sucks when your car is damaged i been there in the past a few times
Title: Re: Four car shunt
Post by: RichardA on July 27, 2013, 04:39:07 PM
They're coming to my work to collect the car and drop off a courtesy car.
Title: Re: Four car shunt
Post by: RichardA on August 15, 2013, 09:56:22 PM
Been gone a week with just under another two weeks to go due to a parts backlog as the rear bumper comes pre-painted from Honda.

Loan car? Skoda Fabia 1.2 with the 60bhp 3 cylinder engine!
Title: Re: Four car shunt
Post by: RichardA on September 01, 2013, 07:56:44 PM
The Jazz will be back on Wednesday, almost a month after they collected it.
Title: Re: Four car shunt
Post by: monkeydave on September 01, 2013, 09:30:28 PM
thats a really long wait hope it is ok and we want pics
Title: Re: Four car shunt
Post by: RichardA on September 05, 2013, 08:30:14 PM
It came back yesterday.

All looks good so far.

Got to hand it to Skoda, they've managed to release a car five years after the Mk1 Jazz that feels like it came out five years earlier.
Title: Re: Four car shunt
Post by: RichardA on October 10, 2013, 10:15:28 PM
My insurance company wrote to me to say they are still in the process of obtaining the UK representative for the [foreign] third party insurers.

I found it within 30 seconds by googling 'insurer looking for UK representative' and selecting the insurer's country and name from the list on the Motor Insurers' Bureau (MIB) website!

Title: Re: Four car shunt
Post by: RichardA on January 18, 2014, 04:50:16 PM
Received a cheque for my excess. Only took six and a half months!
Title: Re: Four car shunt
Post by: Garyman on January 20, 2014, 05:17:24 PM
Wohoo  8)

Title: Re: Four car shunt
Post by: chrisc on January 21, 2014, 07:46:25 PM
Received a cheque for my excess. Only took six and a half months!

That is not bad.  My expensive accident took place in May and I am still waiting.  (The cheque is in the post..)
Title: Re: Four car shunt
Post by: RichardA on January 23, 2014, 08:18:03 PM
The third party right at the back of the shunt was from Belgium so we were dealing with a foreign insurance company and their UK representative so it's case of time rather than liability.

Someone pulled out of a side road and hit one of the guys at work back in May 2011, he is still waiting for that to be settled. He's 21 now so insurance is costing him a bomb, having to declare it as 'fault' because it's not yet settled.