Depressed Dad
Established Member
I think despite all the new complexity that has been thrown in that Allday possibly has a simple case to deal with.
I wonder if you should write to Admiral, the TP Insurer and the car owner with a polite suggestion that you want to conduct your own assessment of the damage, using your own 'expert' with a view to avoiding going through insurers and putting the vehicle back to its pre-accident condition.
At the very least an independent and honest assessment will remove any possibility of inflated repair costs or unnecessary write off.
As Tom mentioned there is the opportunity for the owner to select a repairer after you've assessed the damage.
As mentioned previously the superficial damage might conceal other severe damage so prepare for the worst and hope for the best
As John (Price) has pointed out there is no need to go through the insurers. This is a key point and I think it is remiss of Admiral to not make this an option. They cancelled your policy and cut you adrift. Possible grounds for an FOS complaint.
If either insurer has already made an assessment or carried out work, or written off the vehicle you should still be allowed to challenge and also point out the work has been carried out without your consent (they probably don't need it), before you've had time to seek advice on your options.
I wonder if you should write to Admiral, the TP Insurer and the car owner with a polite suggestion that you want to conduct your own assessment of the damage, using your own 'expert' with a view to avoiding going through insurers and putting the vehicle back to its pre-accident condition.
At the very least an independent and honest assessment will remove any possibility of inflated repair costs or unnecessary write off.
As Tom mentioned there is the opportunity for the owner to select a repairer after you've assessed the damage.
As mentioned previously the superficial damage might conceal other severe damage so prepare for the worst and hope for the best
As John (Price) has pointed out there is no need to go through the insurers. This is a key point and I think it is remiss of Admiral to not make this an option. They cancelled your policy and cut you adrift. Possible grounds for an FOS complaint.
If either insurer has already made an assessment or carried out work, or written off the vehicle you should still be allowed to challenge and also point out the work has been carried out without your consent (they probably don't need it), before you've had time to seek advice on your options.