Hi all this is my first time posting here so sorry if it's in the wrong place!
Basically to try and make things as short as possible, my car was rear ended by a milk/foodstuff tanker whilst stationary at a roundabout. Tanker wasn't stopping and had basically saw a gap (but not me!) visible minimal looking cometic damage to rear.
My insurance company didn't want to carry out structural tests and dragged their heels a bit, and their approved repair centre was not BMW approved.
Decided stupidly to contact a BMW body shop who directed me to accident exchange. They phoned me and quickly supplied a stupidly expensive hire car. They took my car to the body shop.
Hear nothing on what the repairs where ( in my initial email to the body shop I stated damaged I had spotted and I did ask for checks of suspension/structure due to the impact/ size of tanker) I contacted the body shop directly, they then sent an estimate which did not include I phoned both claims handler and the body shop and questioned this and was told the third party did not authorise anything else to be done. I asked for reconsideration and was told I would have to pay for any tests. No contact other than a text saying I my car was ready, spoke to both body shop and accident exchange and was told my car was 'roadworthy and my hire car had to be removed, in ither words accept the car or have no car. Reluctantly agreed to have the car delivered to my place of work. On inspection noted rear carpet damage to boot (this was not caused by the accident and has 'appeared' in between!) rear high brake light non functional rear washer jet non functional, sunroof rear still damaged.
Wrote on the delivery sheet and took a copy to say non happy not fully check above faults noted.
Driving home to collect son from nursery tyre pressure Sensor comes on I check tyres all fine and pressure car doesn't feel right. Limp home (very short distance overall) try phoning claims handler and they basically wash there hands of it, body shop closed (have call log)
Booked in to local garage for free check, they say alignments out funny wear to rear tyres. Next day have alignment booked in new tyres ordered in an effort to get the car safe. Tyres arrive the next day they spot both rear coils are sheared! Write a report for me stating not road worthy and due to accident at this point it's midday body shop that carried out the repairs is shut, no point phoning accident exchange! File a complaint with them via email.
Wait until Monday and my husband drives me to the bodyshop for a personal visit. Ask for a full report in what repairs where carried out, after seeing no tests for road worthiness being carried out throw part of my rear coil on the table they admit they never carried out any checks and that they messed up, blaming the third party as they had no authorisation from the third party!
Agreed to take car back and jig it for 'free' and apparent look at getting the other items sorted (all funnily located on the rear of the car!) the drive my car despite it being not roadworthy to there garage 27 plus miles away)
I receive a call to say the third party won't pay for any extra repairs as the examiner (all from the third party) state the coil has some rust (the car has been driven above and two three other appointments and sat for three months now!)they say the sunroof had screws loosed even though I have my initial email stating I manually closed the roof and I did not want the interior of the car damaged) carpet is now apparent wearing due to age (looks more like scorch marks made during repairs. Brake light on rear and washer jet not even considered. I was told the bodyshop have repaired the light and washer jet. They want their hire car back this Monday and I either have to pay for new springs or have a car driven back I presume with two rear broken springs. They say as good will they will only charge me 109.00 plus vat per spring, phoned a few mechanics who say that they are pretty sure they are huffing labour in the price check ebay springs range from 40-80 PER SET.
I was asked by the body shop to write a letter of complaint so I did with ten appendixes supporting it. Nothing.
I am frustrated as I will now get a car with lots of defects, not sure if there are any more hidden, all the checks have been through the third party and claims handler doesn't push it at all I appear to have to do all the pushing and have been informed I will have to go through the small claims courts!
I must add the following:
My car was MOT'd 3-4 weeks prior to the accident no note of any spring wear - I've hustled this garage for years and they will always highlight any issues
My car was at a local garage 4 days prior to the accident (different garage) who drive the car and he is our neighbour and he would have noted problems straight away!
My car is regularly serviced (last service was a few thousand miles early!)
I have emailed the FSO but heard nothing, accident exchange have washed their hands of this.
Find out from other posts that the garage is financially linked to accident exchange!
Not sure what to do so any advise would be great, I don't want to pay for the tears and certainly not to the body shop but it looks like unless I pay I will be completely car less!!
Spoke to mechanic who said it is extremely rare that both coils would go at the same time likely to be accident related given the impact force and is happy to come and inspect and write a report which will mean I have two reports. Surely the third partys engineers report is flawed and biased at saving money as they failed to carry out any basic full checks the first time? What about the garage they admit negligence but not in writing (verbally in front of me and my husband and on the phone hence the 'good will' gesture.
This has really begun to affect my health due to the stress.
I have contacted the mail today who are a little interested watchdog with no reply and the local newspaper who are really keen to publish a story.
I will phone my own insurance and ask for help, as they are not open today but will I expect get a flat and rightly so I told you so!
PLEASE USE ACCIDENT EXCHANGE AT YOUR PERIL!
I have been give a car not road worthy could have caused smother accident/death of me and my 3year old snd recieved 3 points and a fine for my brake light.
I now have the joy of a unroadworthy car Monday and a nice bill to get the car safe!
Please if you have any thoughts let me know we are very desperate now!