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Originally Posted by Shocked Guy  Im afraid its been a really bad time since last week when i had a car accident. I rang the insurance company and they sent my car for repair but the repair team called me in and showed me a hpi record that stated the car is a cat B. im so stupid for not getting a hpi done before parting with 5K. The repair team have refused to fix the car and said that the insurance company will get in touch. The person who i bought the car off claims there has been a mistake somewhere and that it recently passed a VIC test on 25th march 08 and i purchased the car in june 08. This is really worry me as i have no proof that i bought the car off him except a service reciept on his name. The log book isnt even under his name and under the previous owner although i have the owners address and telephone number and he is trying to co-operate with me. It looks really bad but need some serious advice on the following please:
Will the insurance company void me insurance and not pay me out? they should have done a hpi before themselves?
Will i be able to make a injury claim even though its gone down as my fault and possibility of void insurance
What should i do? Sue the person who i bought the car off? his not a trader.
So confused and worried all down to my own fault but help would really be appreciated. |
Hmm, interesting one this.
Firstly a VIC (Vehicle Identity Check) will only check things like the VIN numbers etc, basically to establish that the vehicle they are looking at, is indeed the correct vehicle (I.E not a stolen car with false plates or a "cut and shut" (2 cars welded together to make 1))
A Cat B write off should never be put back on the road, It should only be used for salvageable spare parts so that begs the question, how did it end up being repaired and re-sold.
The first thing you need to do is contact the DVLA and find out when the car was declared as a cat B write off as its possible that there has been a cock up and it may only be a cat C write off, which can be legally repaired and put back on the road.
To answer your question, Yes, your insurers will almost certainly repudiate the claim as the car should never have been on the road, let alone insured.
and no, there is no legal requirement for an insurer to do an HPI check on a car before setting up a policy, nor do i know of any companies that even offer this.
Try and get as much info as you can regarding the car being a previous write off, and then post back and we'll take it from there.
DA
Please help me im stunned 
