my car crash

[suzie2003]

Hi All, im new to this and not sure if im possting in the right place so please forgive me .

I have surfed the net trying to get some good advice and hoping someone will advise me here of my rights.
my story goes like this...

A week last monday i left work 1 hr late stuck in traffic, a journey that would usually at the most take me 45 min even with traffic turned out to take me 7 hours and a hospital trip.

i pulled onto a ( A ) road amongst many other cars and i spotted a white van swaying behind me at a far distance and alsmost hitting several cars especially a poor mini, i then stopped at a small round about , made sure it was clear as you do and knowing the speed limit is 50 i did 50 to get away from these 2 men in the white van as i certaintly did not want to be involved as they looked like they was messing around swaying towards other cars etc , i had seen then laughing ... so off i goes . i got down to the next large round about and could not pull out as there was a car coming around , i also had a car next to me who may have had the same idea as me to get away. All i see within seconds was the white van speeding towards me, he went up the verge and the next thing i remember is being woken up by a lady asking me if i was okay and not to move. my car and me was on the round about. i got whiplash and 6 stitches in my head , the white van was in the middle of road and was now facing the way it came from , 2 men jumped out and ran , 1 which was full of blood . alot of it is a blur but i remember little bits like a witness could smell weed in their van and that they caught 1 of them down the road who was totally totally frunk.
The driver has denied it although the police phoned me monday and said they hadnt got a statement because the driver is unable to talk due to his injuries.
Day after the accident when i reported to my insurance Tescos ,They said because i could not give any 3rd party details i had lost my no claims, i asked the police for them and they said they was not allowed to give them out to which i later found out that my insurance company can request them. Tescos has not been nice at all about the situation.
i phoned Tescos today to ask what was going on and they said there was nothing on their screne and would i mind holding the line while they phone the garage that has my car, i held and they came back to me saying the car was a writeoff. they said they would make me a offer in the post and that was that.
5 minutes later they phone me up saying the car was a writeoff and they would be offering me 5367 pound as they car had high milage and had lost 1000 pound on market value due to this .
I only had the car 3 weeks , i paid 5000 pound for it and only cos i haggled, the car has air con, climate control, bluetooth, voice control, alloy wheels, sports tyres , 1 lady owner ,u name it had it and there is no way im gonna get another at that price i paid , it was just lucky i found such a nice car, plus they want 300 access off me so that means i will come out with 5037 pound. can anyone please please give me some advise on what i can do, my husband said if we appeal we may get less.
I had to get a bank loan out to buy this car in the first place.

[barracad]

They've offered you £5,367 for a £5,000 car?

I'm not entirely sure why they would offer you more than it is worth, but if they have then what is the problem?

[gadgetgirl79]

Yes, i'm not sure what the problem is with the claim if they're offering you more than you paid for the car and you've had it 3 months!!

I would pursue Tesco about losing the No Claims though. Phone them again and tell THEM to phone the police to get the details. I had a crash in April (still got bad whiplash nearly 4 months later!!), and was in such a state of shock I forgot to write the actual car numberplate down, so my insurance just phoned up the police and got it off them, no problems whatsoever. If they don't co-operate, then I would write a letter, recorded delivery, detailing what's happened, and telling them you're not happy.