Potential claim query

[Mick Dempsey]

Unless you have a witness or cctv it’s on you.

 

Not your fault, certainly unfair, but I can’t see how you can get out of it.

[monkeybusiness]

12 minutes ago, swinny said:

I'd personally get my arse straight down to this wagon yard for a look around especially if you know the reg. **************** having a fast one pulled on you. 

It happened in May - we actually also do a bit of work for the truck firm and I spoke to the director on the evening it happened and he told me it would be sorted. 
I sent a couple of emails to their ‘compliance’ department putting them in touch with the hire company and thought it was all sorted. 
The hire company had given me a repair estimate of £12500 for them to get the parts and sort it in-house - they got back in touch last week to say the machine was having to be sent back to the manufacturer as something needs reprogramming now. It was only at that point that I found out the truck insurers are refusing the claim… 

Farkinell!!! 

 

[Mike Hill]

1 hour ago, monkeybusiness said:

It happened in May - we actually also do a bit of work for the truck firm and I spoke to the director on the evening it happened and he told me it would be sorted. 
I sent a couple of emails to their ‘compliance’ department putting them in touch with the hire company and thought it was all sorted. 
The hire company had given me a repair estimate of £12500 for them to get the parts and sort it in-house - they got back in touch last week to say the machine was having to be sent back to the manufacturer as something needs reprogramming now. It was only at that point that I found out the truck insurers are refusing the claim… 

Farkinell!!! 

 

 

It really dosnt matter since you took out insurance on the hire right?

 

Anyhow its so far in the past ,that without evidence/ eyewitness testimony you hired a mewp that came back with £12500 worth of damage.

 

It really is that simple. 

[monkeybusiness]

11 minutes ago, Mike Hill said:

 

It really dosnt matter since you took out insurance on the hire right?

 

Anyhow its so far in the past ,that without evidence/ eyewitness testimony you hired a mewp that came back with £12500 worth of damage.

 

It really is that simple. 

It’ll be on my own hired-in-plant insurance, I don’t actually think the hire company offer it (if they do I wouldn’t have bothered as have HIP attached to my own plant insurance). 
 

[Mike Hill]

14 minutes ago, monkeybusiness said:

It’ll be on my own hired-in-plant insurance, I don’t actually think the hire company offer it (if they do I wouldn’t have bothered as have HIP attached to my own plant insurance). 
 

 

Take it on the chin mate.

[monkeybusiness]

16 minutes ago, Mike Hill said:

 

Take it on the chin mate.

I suspect that will be the outcome sadly! 

[eggsarascal]

32 minutes ago, monkeybusiness said:

I suspect that will be the outcome sadly! 

I’d throw it back to the director of the truck company that told you it would be sorted, lay it on strong, say something along the lines of, I thought you were a man of your word. Probably won’t get you anywhere but I’d try anything to save myself £12.5k.

[Dan Maynard]

I don't know if a commercial insurance on the trucks would be the same as a car policy, but they may have been obligated to report to their insurance company as the truck was driving at the time. After that it's out of the director's hands really.

 

The truck insurers would just weigh probabilities and bat it back as unlikely to be proven. I feel as if best option would be let your HIP insurer argue with them.

[eggsarascal]

1 hour ago, Dan Maynard said:

I don't know if a commercial insurance on the trucks would be the same as a car policy, but they may have been obligated to report to their insurance company as the truck was driving at the time. After that it's out of the director's hands really.

 

The truck insurers would just weigh probabilities and bat it back as unlikely to be proven. I feel as if best option would be let your HIP insurer argue with them.

It’s a good call but I’d still go for the director first, he said it would be sorted, if your scenario is correct the director should have had the common decency to contact Dan to say we’ve put it to our insurer and it’s now out of my hands.

[Puffingbilly413]

I'm guessing you hadn't off-hired the machine before you left site when the job was finished? 

 

Assuming not, then all you can do is pass it on to your insurer with all the info you've stated here and then it's for them to pursue the other party as they see fit.