I had an car accident yesterday coming home from work.............

Roads were icy, the car in front of me suddenly stopped to give way to an ambulance (not on any emergency call, no lights, no siren). The driver in front hit the brakes so hard, when there was no need and he should have kept on driving, he did not check to see if it was safe to stop, he did not check his mirror and stopped his car a few inches away from the ambulance.

The sudden braking of the car in front, for no apparent reason whatsover in treachourous weather conditions was wrong.

I rang footman james, asked me what happened, I told told her what happened. The ONLY question she asked me was 'did you hit the back of the other car'

I told her yes, she right away 'its your fault' and since your liable you don't have courtesy car cover!

I told her used a price comparsion site and the quote included a courtesy car, she then told me to 'prove i have courtesy car cover'

Basically they are refusing to give me a courtesy car, I have checked my policy, I cant see any mention of a replacement car, BUT it was included when i got the online quote, which i took out from a price comparison site.

I need a replacement car to get to work, but my insurace is refusing to give me replacement car, even though i have full comp insurance

where do i stand, please help

I had an car accident yesterday coming home from work.............

 

Roads were icy, the car in front of me suddenly stopped to give way to an ambulance (not on any emergency call, no lights, no siren). The driver in front hit the brakes so hard, when there was no need and he should have kept on driving, he did not check to see if it was safe to stop, he did not check his mirror and stopped his car a few inches away from the ambulance.

 

The sudden braking of the car in front, for no apparent reason whatsover in treachourous weather conditions was wrong.

 

I rang footman james, asked me what happened, I told told her what happened. The ONLY question she asked me was 'did you hit the back of the other car'

 

I told her yes, she right away 'its your fault' and since your liable you don't have courtesy car cover!

 

I told her used a price comparsion site and the quote included a courtesy car, she then told me to 'prove i have courtesy car cover'

 

Basically they are refusing to give me a courtesy car, I have checked my policy, I cant see any mention of a replacement car, BUT it was included when i got the online quote, which i took out from a price comparison site.

 

I need a replacement car to get to work, but my insurace is refusing to give me replacement car, even though i have full comp insurance

 

where do i stand, please help

Find a repairer who will give you a courtesy car and insist the car is repaired their and not at the insurers recommended place.

You do not have to use the insurers recommended repairer.

Take a look at the attached pdf summary from Footman James website.

The first exclusion.

I have just gone through the quote proceedure and there was no mention of courtesy cars and the quote was nearly twice as much as I pay.

MotorInsuranceKeyFacts[1].pdf

Certainly seems the accident is your fault, you did not leave sufficient stopping distance from the vehicle in front. Not what you want to hear however it is what it is.

Looking at the PDF posted above you do not have a guarranteed courtesy car with this company, all you have is a courtesy car in the event of a non fault claim which is obtained through the legal cover. This is dressed up as a benefit however in reality is nothing more than the basic cover.

As someone has already said, you will need to find a repairer who has an available courtesy car and is willing to release it to you, if you do (will not be easy as there has been many bumps and repairers will need to give these to the insurance companies whose contract insists) then hope for a quick repair incase they ask for it back.

Next year when taking out your insurance read the policy doc carefully.

Although unlikely running into the back of another vehicle is NOT always a fault accident & the insurance clerk should not have made such a prejudicial remark without knowing the full facts. My 1st advice is to complain to her supervisor

Do you have any witnesses as to what happened principally the 3rd parties heavy braking in bad weather etc?

Although unlikely running into the back of another vehicle is NOT always a fault accident & the insurance clerk should not have made such a prejudicial remark without knowing the full facts. My 1st advice is to complain to her supervisor

 

Do you have any witnesses as to what happened principally the 3rd parties heavy braking in bad weather etc?

didnt take her name, not going with this company ever again

didnt take her name, not going with this company ever again

Doesn't matter as it will certainly have been recorded. All you need to provide is the approx time & date

The sooner the general public realise that the reason some policies are cheap is because the cover is not as goos the better.

Would you by the cheapest piece of meat in a market?

Would you buy the cheapest buggy for your child?

Would you buy the cheapest holiday?

Things are cheap for a reason. Usually becuase they are cr#p.

Not meaning to be disrespectful tal but I think the general public have been bombarded with 'cheap is best' in terms of insurance for too long.

JonCris, even if there were independent witnesses confirming heavy braking in bad weather, the OP should still have maintained a safe stopping distance.

simples