hi again yes there is more info on this now i received a payment for the car of 980.00 that was in late febuary and also has an offer of 2100.00 compensation, solicitor told me that is a rubbish offer and to reject it, so that was done.the insurance company then came back to us with another offer the very same day as we rejected it and the offer was 3100.00 again my solicitor told me its still not good enough and we should persue it to court.. which could take another 9ish months so i said how much more could i get and he said roughly another 4-500 so i said im not willing to wait 9 months for another 4-500 so have accepted the offer of 3100.00 and i am currently awaiting the cheque in the post

i am currently dealing with my solicitor however he hasnt heard anything off the insurance as yet... he told me today that if nothing has come back to him by the end of the week he will be chasing it up,,, it was just a curious question thats all... and also non fault.. cos it wasnt me who didnt give way it was the other driver.. so therfore it was not my fault...

also the car cannot be driven anywere as the front wheel is hanging off! so even if it was allowed back on the road it would take a lot of fixing!!

thing is its not even an aftermaerket spoiler!!! its an original citroen spoiler!! obviously the previous owner has put this on at some point... but still the insurance was not interested in my side of the story whatsoever hense going to a solicitor

it was aqn enginner that my solicitor has sent out to me as my insurance cancelled my insurance because there waqs a spoiler on my car that i didnt know was not factory fitted

i had a non fault car accident in nov 10 and the other driver wouldnt admit liability... up until a feww weeks ago as i have got lots of evidence against her (cctv, photos, witness) an engineer has been out to look at my car and asess the damages...its a cat B write off they have valued my car pre accident at 1200.00 is this what my offer will be off the insurance?

i put no as i didnt know alloys and a spoiler were classed as modifications... how many cars come with alloys and spoilers as factory fitted these days? all i wanted to know in this post was have i got a case were i will be able to claim for the car and my injurys or will it get thrown out?

also they cancelled the insurance on the 1st dec... and we recived the cacelation letter 2 weeks later... now when insurance is cancelld aint they supposed to give 7 days notice? as we had no notice the only way we knew they had cancelled it was becasue it never came out of the bank.

ok thanks very much for your help

ahh right i see. so obviously a saxo isnt a car to have then??!! just received a letter this morning off ESURE... they are asking for 318.00 off us (which sounds like the rest of the policy for this year) do we actually have to pay this to them? they have said if it isnt paid it will go to debt collections?? :-x

thanks very much for your help and can i just ask what you meant by saying "but then again it is a saxo" ??? im confused as to what you mean? as far as im aware a car is a car!!!?? does it being a saxo make any difference?

the car was 9 years old when i bought it the car is a citroen saxo 1.4 westcoast... however the 1.6vtr is exactly the same car but bigger engine just that i have now found out that the 1.4 westcoast didnt come with spolier and alloys as standard. it was my 1st car so how am i supposed to know the difference? esure have said that they wouldnt have insured me if they had known about the alloys and spoiler as they class these as modifications?

thanks for your help i have found out that the spoiler and alloys did not come as standard so im a bit stuck as to what happens with that now?

i had an accident on the 19th nov a woman crashed into me however my insurance esure recovered the car as it was undrivable. they took it to an accident place were the assesors looked at the damage and said it was a total loss (write off) so the car was sat in their compound. the assesors got in contact with the insurace and told them it was a total loss and sent pics. this is when the trouble starts.. the insurance have said cos there was a spoiler on the car and alloys wheels which were not factory fitted they have cancelled my insurance. so here i am with cancelled insurance, and also had to get the car out of the compound and pay the bill myself. and a smashed up car on my driveway. rang the insurance to find out what was going on and after a month of calls letters (me to them) cctv footage, photographs of the accident and also a witness to be told because the insurance has been cancelled they can no longer help me and i should get a solicitor... both me and the woman who crashed into me are/was both insured by esure which makes it that little bit more complicated. my question is now what do i do? i have already been to a no win no fee solicitor for my injurys as i was 22 weeks pregnant at the time of accident and also had my 2 young boys in the car with me. i have pics of the actual accident and also there was a witness... however the other driver has told the insurance that i pulled out of a side street into her and there was no witnesses?? i have cctv footage to prove i never came out of the side street she is saying... the cctv shows me coming out of a side street 500 yards up the road from the one she said what do i do now ? and what should i expect? have i got a case?? i have tried to ring my solicitor but they are closed until 4th jan

thanks very much for your advice its greatly appreciated everything seems to be such a mess and at this time of year too