Friday, 27 February 2009

The way we are - update

I reported on the near miss to immortality on Sunday before last.
Having done the immediate things on the day of the collision, I went on the offensive on Monday. I had Farmer Giles confirm his full acceptance of all responsibility in an email and that he would instruct his insurer to proceed on the basis that I would not be involving my people. That got me a very nice replacement car far better than the dead basic set of wheels my insurers would have allowed. My garage confirmed that my car was a write-off, The other party assessor was not due to be in the area for another five days but I convinced him that a total write-off would not take long to assess and he went there on the Wednesday. Two days early. By midday Friday, we agreed a value for my dead vehicle. £250 over the value shown in the trade-confidential guides as I was able to prove that it had been maintained regardless of expense and was all prepared for an already booked MOT five days after the accident.
And that is where it has stuck. A week to process a cheque and get it to me. The operatives seem to have understood that time is hire car charges but the shiny arses in the administration departments have failed to keep up the momentum. I've short-circuited the process and have agreed with my garage to collect the replacement tomorrow; he will trust the insurance people to come up with a cheque in the fullness of time. I'm left thinking the admin failure to show any initiative is part of where the country has gone wrong.
Personally, I've come out a bit ahead. The replacement is exactly the same model, five months younger with 33,000 less miles and an extra of a full length glass roof.

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