Goskippy and auxillis car hire charges

[Gemma19194]

hello i'm the sister im here now

 

[Gemma19194]

I am going to try and explain in full details from start to present and see if you have any advice for me on what i can do.

on 15/1/2021 16:25pm i was traveling along hazlebarrow Road which is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van which resulted in the van being at an angle stationary position on the road.

 

I braked immediately but the ice and snow skidded my tyres, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( which was originally parked at the back of the van before he set off from the side of the road.

I will refer to the van driver as MR S. ( im going to attach a street view picture and diagram which will be more helpful in understanding how the accident accured ect) . 

 

The owner of the parked car, which i will refer to as Mr T came out of his house. Myself, mr S and mr T exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property.

 

I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect.

 

by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statement of what happened, sent them pictures of the damage to my vehicle and MR S van ect).

 

Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21. 

 

Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability.

 

An engineer had collected my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admiral but this may take a few weeks more' . 

 

I didnt hear nothing for around 2 weeks so i contacted AX again for an update, she told me that admiral are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admiral are refusing liability'.

 

i asked them why admiral consider them not liable and she read from the notes ' MR S said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldn't because of the ice and the snow and the corsa hit my van' ( complete lie!!)

 

The lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault.

 

I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of which i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!. 

The lady then told me she had requested a ' none prejudice payment' from admiral and waiting for a response.

 

Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im assuming admiral refused to pay the  none prejudice payment).

 

I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasn't at fault ?! . she said ok im going to pass this to management and see what we can do .

 

 

I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadn't fought my corner, bowed down to admiral and then had the cheek to ask me to repair my own vehicle . Again she said ' its still in dispute, admiral are not budging i have to pass this on to management.

 

She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!?

 

Obviously this has been on going since middle of January, pretty fed up. My brother come to this forum last night to seek advice And had a couple of replies that i may be liable to pay for the hire car costs.

 

I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby.

the lady told me ' we will try every avenue to recover the cost from Admiral for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admiral will not pay, we will just wipe the debt off' .

 

i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recorded and i am telling you that this debt will not be on you to pay .

She then said that if i was to give AX the hire car back now, then it would jeopardise everything. And she said ' we gave you that hire vehicle because we believe you're not at fault so you can keep using it as we know you need transport'

I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i dont have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible. 

 

After the phonecall it got me thinking about how she said ' as long as you comply with your hire car contract your not liable for any charges for the hire car' .

Will they find any fault with the contract just to try and lumber me with the debt?

As it seems pretty fishy how they would just ' wipe off' thousands of pounds if admiral refuse to pay. 

 

And also, she said if i gave the hire car back it would jeopardise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldn't that ' jeopardise' the case? 

 

As you can imagine, my heads spinning. Stressed and don't know what to do. I don't even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges. 

 

What can/should i do? 

 
Thank you
Gemma

 

 

 

 

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[Gemma19194]

Thanks for your reply .

The only contact i have had with Goskippy is when i first reported the accident. They took the details of the accident then said ' thanks for letting us know'. They have never contacted me afterwards. I did however contact goskippy a few weeks ago as i felt AX were messing me about. And go skippy told me its nothing to do with them as AX is dealing with it.

 

Secondly, yes that's right. When they first contacted me asking if i want a hire car, obviously my first question was ' how much is that going to cost me?' Her exact words were, nothing because your insurance covers it. ( the reason why i agreed to the hire car) . Now, their words are ' we are pushing for admiral to pay for the hire car but if we are unsuccessful then we will wipe the cost off and you will not be liable , considering you stick to your hire car agreement and you work with us on your claim' .

 

I had to sign documents before they delivered the hire car but she explained over the phone the documents were just for me to sign that i would agree to be liable for any damage i did to the car, had to give the car back with a full tank of fuel, i would agree to pay for it valeting if i left the inside a mess ect) obviously i did not mind agreeing to these conditions as of course its my responsibility if i damaged the car or leave the inside a mess ( which i wouldn't anyway) . stupidly i believed what she said and did not read through all the documents before signing them 

[Gemma19194]

I have started a new thread last night 

[Gemma19194]

I had uploaded my street view diagram twice- not sure why it hasn't been attatched to my post.

 

I have started a new thread so hope to carry on the conversation on my new thread.

[Gemma19194]

I now know this. But how can i get out of it? 

Or can i not? Do i just have to accept i am lumbered with a nearly 5000 pound worth of debt? 

[Gemma19194]

I have logged into my emails to download my goskippy policy documents. The email from goskippy states my documents are stored on my online portel. I have attempted to login to this, but i think they have deactivated my account due to me not renewing with them. 

 

I need to contact my brother to see if he can recover them somehow - he is more technically advanced than me.

 

[Gemma19194]

Ax first contacted me on the 19/1/21 . stating they are dealing with my claim and offered me the curtesy car via telephone, so 4 days after the accident.

 

I didn't contact goskippy as AX had already told me they work on behalf of goskippy, hence them dealing with my claim. 

[Gemma19194]

If i was to contact AX today and tell them a family member can loan me the money for a new car so the hire car can be collected . i could see what they say to this. Is this a good idea?