01-05-2010, 07:27 PM
0
My new car is from Christine's insurance.
They have been very supportive on the whole, once they got the enormity of the situation. They have delt with all the police and finance company details.
Christine had both myself and Philip as extra drivers on her car, she beat them into a very good deal (since that was her job after all). After the accident our friends who came to look after us called 'Elephant' but because of protocol they couldn't talked to Tony. Stupidly they could only talk to the insured. Once it was established that was not possible they agreed to talk to either Phil or myself. Neither of us felt we could deal with the paperwork, so I got 'Elephant' to talk to Mark since he was next of kin.
So the cheque was to pay us for damages (or rather Christine), there was no blame established after the inquest. The accidental death verdict was put to ill health but the insurance company agreed to pay for the lorry before the inquest was set, out of 'good will'.
£25,000 sounds about right, our neighbour is a HGV driver and even Traz will tell you the cost of repairs are enormous! The car took out the off-side wheel, and braking system, including the TACHO which effects the onboard computer.
The cheque should have been written to Christine but because of the law and to protect her from identity theft (which what the insurance company are trying to prevent) her bank account was frozen and eventually closed by Mark and Jeff, her boyfriend after the death certificate was released. So any cheque couldn't be banked or cashed. Mark had to prove he was authorised to deal with her account.
It is the sort of thing you really don't want to deal with at a time like this but I can see why it has to be done this way.
So the list I told you was what they were willing to pay us to buy a new car, they valued her belongings, value of the car in February, her life, and how much the finance company were demanding (although, by rights they were intitled to nothing, because a debts dies with the debter). They paid top valuation on everything.
The cheque belonged to me, as an insured driver on the policy, so Mark said we should buy another car.
I got the Fiat!
Only the car arrived before the cheque
But it appears to all be sorted out today and my car is actually mine now.
I know Christine would approve,
she wanted me to buy a 500, and she kept bullying the salesmans for test drives for me. I think Chris, Brett and Lee are so relieved they found one for me (although Lee is a Renault salesman now, but he knew I couldn't drive another Clio).
The yearly tax on this car is peanuts, and so is the new insurance deal. £35 tax (the Saab £185) and £210 insurance this year but should drop to less next year (unless I let Phil drive)
They have been very supportive on the whole, once they got the enormity of the situation. They have delt with all the police and finance company details.
Christine had both myself and Philip as extra drivers on her car, she beat them into a very good deal (since that was her job after all). After the accident our friends who came to look after us called 'Elephant' but because of protocol they couldn't talked to Tony. Stupidly they could only talk to the insured. Once it was established that was not possible they agreed to talk to either Phil or myself. Neither of us felt we could deal with the paperwork, so I got 'Elephant' to talk to Mark since he was next of kin.
So the cheque was to pay us for damages (or rather Christine), there was no blame established after the inquest. The accidental death verdict was put to ill health but the insurance company agreed to pay for the lorry before the inquest was set, out of 'good will'.
£25,000 sounds about right, our neighbour is a HGV driver and even Traz will tell you the cost of repairs are enormous! The car took out the off-side wheel, and braking system, including the TACHO which effects the onboard computer.
The cheque should have been written to Christine but because of the law and to protect her from identity theft (which what the insurance company are trying to prevent) her bank account was frozen and eventually closed by Mark and Jeff, her boyfriend after the death certificate was released. So any cheque couldn't be banked or cashed. Mark had to prove he was authorised to deal with her account.
It is the sort of thing you really don't want to deal with at a time like this but I can see why it has to be done this way.
So the list I told you was what they were willing to pay us to buy a new car, they valued her belongings, value of the car in February, her life, and how much the finance company were demanding (although, by rights they were intitled to nothing, because a debts dies with the debter). They paid top valuation on everything.
The cheque belonged to me, as an insured driver on the policy, so Mark said we should buy another car.
I got the Fiat!
Only the car arrived before the cheque
But it appears to all be sorted out today and my car is actually mine now.
I know Christine would approve,
she wanted me to buy a 500, and she kept bullying the salesmans for test drives for me. I think Chris, Brett and Lee are so relieved they found one for me (although Lee is a Renault salesman now, but he knew I couldn't drive another Clio).The yearly tax on this car is peanuts, and so is the new insurance deal. £35 tax (the Saab £185) and £210 insurance this year but should drop to less next year (unless I let Phil drive)
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