Chris,
Feel sorry with you British people.
Saw an interview with your minister of enviroment yesterday, where the
global warming seems to get the blame in this....
Regarding your case:
Try to find out who really becomes the owner of the car in case of total
loss.
There are insurances in the Netherlands (especially for classic cars)
wherein the agreement is included, that in case of total loss the car still
will remain in ownership of the insurance taker (you in this case). Read
your insurance policy carefully on this.
In your typical case the responsibility of the damage is uncertain.
Legally you have an agreement with your garage, so you should make them
responsible. The garage in their turn will make the authorities responsible,
whichever authority it will be and what responsibilities they will take
(beware your government may change the laws temporarely to an emergency law,
where all damages cannot be claimed whatsoever).
If you remove your car you might void any possibility on claims to either
the garage (may their legal counseler say) of claims to your own insurance.
Best is to talk this over with your insurance agent of directly with the
insurance company.
Good luck!
Cheers,
Hans
-----Original Message-----
From: Chris Rose [mailto:chris_rose@totalise.co.uk]
Sent: dinsdag 7 november 2000 13:26
To: mgs@autox.team.net
Subject: urgent advice needed PLEASE!
Hi
I wonder if anyone can offer me any advice.
I posted recently about my flood damaged 1963 B, and received a variety of
very useful information with respect to getting her back up and running.
I promised to e-mail again when I had got more information from the garage,
and now is, unfortunately, this time.
The car was at a garage being repaied when it was flooded, and, as a result,
is covered under their insurance. However, due to the nature of the damage
to
that area of the country, the loss adjusters have been rather busy and are
only just about to visit the cars.
However, the major problem is that because the river water had also been
contaminated with sewage, its become an issue for the Environment Agency in
the UK.
Now for the really bad news. The vast majority of the other cars within the
industrial estate that were flooded and have already been inspected by the
loss adjusters from the insurance companies have been classified by the EA
as
class A write offs.
This means, in basic terms, the car has been contaminated and has to be
REMOVED AND DESTROYED! There appears to be no way of getting around this
issue
and so I want to get some advice.
Firstly, I don't want the car destroyed! As I said, as well as being my
pride
and joy, its also been in the family 20 years and the thought of it being
crushed just for the sake of refitting the interior (surely everything else
can be washed down??) is ridiculous.
Secondly, as the adjuster has not yet visited, should I bite the bullet and
just move the car away from the garage and make all the repairs myself
(obviously this would have to be out of my own pocket as insurance is a no
no
for this incident)
Thirdly, all the other cars on the estate were 'normal' cars, and not
classics
(remember we are talking about MGA's and other really nice and much more
valuable cars than mine as well) and the garage are going to argue that
writing them all off when they can be economically repaired is a total over
reaction.
Does anyone have any advice about what I should do? I am still stuck out of
the country, but am back this weekend and so if I am going to move the car
it
would have to be then.
I really am at my wits end, and am hoping someone can offer some advice.
Does
anyone know anything about the Environment Agency in the UK and how this bit
of legislation actually works?
Cheers for any info from anyone.
Extremely unhappy Chris
1963 Soon to be crushed(?) MGB
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