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Old 07-14-2008, 10:52 AM   #5 (permalink)
Nye Bevan
Junior Member
 
Join Date: Jul 2008
Location: Cheshire, UK
Posts: 6
Hello,

I work in motor insurance claims here in the UK so I might be ble to help bit.

As the third party (guy who hit you) is obvoiusly at fault and you are npot covered for accidental damage you will have to recover from his insurers who are being awkward over the value. As they do not have an insurable interest in your car they will pay you out and you will get to keep the car.

What you can do is request a cash in lieu of repairs settlement where they will pay up to the value of the car, the money you can use to pay for the repairs.

In the UK you can claim the cost of hiring another car from negligent third parties and also loss of use, dont know if this applies in the states, but if it does, threaten them with a claim for both - the costs they would incur here usually persuades them to up their offer.

Finally, insurers use a standard costing for repair and parts prices which are often on the high side, I would imaging you could get the repairs done for less than they are quoting.

Shop around and obtain prices for supplying the parts yourself.

Finally, if all else fails, get a lawyer!
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