accident/insurance claim
Can someone help me, actually someone hit my car while i was parked my car in front of my house.Infact he had accepted it and we could arrange one letter from the police. Now my car is in the garage and they are telling it costs around 9800 riyals, also they are telling the insurance peoples are going to approve 50% of this amount (as my car is 5 years old). Is there any option to take the 50% money from the person who made the accident - actually this is the second time it happened with the same person. Last time i repaired it with my own expense and i feel that it is not justifiable that i am paying every time even though it is not my mistake.
because the first party hit your car while it was parked in front of your house so its surely mentioned as accident without driver in this case you should afford a 10 to 15 % of the amount as per the law.
for what they said they will cover only 50 % coz your car is 5 years old they are just trying to reduce the amount as much as they could for the company its overhead. so be smart and tell them how old is my car has nothing to do with the insurance policy only by where to fix the car. within the 5 years old car it should be taken to the original agency. more than 5 years they have the right to take it to any private agency garage you prefer.
Usually Insurance Companies ask for Excess amount to be paid.. which is 10% of the total repair cost or 250-1000 Riyal (depends upon the policy).
Was your Car 3rd Party Insured? read your insurance policy again. It will be mentioned that how much you will have to pay incase if its not your mistake. I think you should call the insurance company.
Qr 9800?? 5year old car??
whats that a Ferrari??
one accident had happen with my car mistake of the bus driver he had to pay 100qr for the police and the police gave paper to me to
give it to the insurance company and one of garage shown by insurance company repaired my car free of charge i didnt pay single riyal
Go back to the police & inform them that insurance is going to pay 50% only, that way, they will call back the other person to make arrangement to pay the balance.First get a written confirmation from the insurance company before you go to police, just by word from the garage is non binding.
YOU WILL BE THE ONE TO PAY FOR IT AND NOT THE ONE WHO HIT YOU.