Motor Insurance What Motor Insurance?

Tuesday

Mrs B's motor has been with her for 17 years. It's part of the family. It now has a shunted rear end thanks to some guy who doesn't know what the brakes are for. Technically the motor is now a write off because the repair will cost more than its book value.

The assessor describes the motor as being in good condition - except for a rear panel and the rear fender that need replacing. He says the motor is "roadworthy" but Mrs B is being encouraged to scrap the car and to buy a new one.

What a good idea - car sales increase, she pays more for her insurance and she is being offered a pathetic 1/50th of the cost to help her out. All this for stopping at a red light to allow pedestrians to cross the road.

Well excuse me for not being more enthusiastic about the offer.

The guy who causes the damage gets his repair paid for - Mrs B ends up paying for her own repairs or buying a new vehicle.

Now where is the justice in that?

Thursday

Mrs B is now waiting for a cheque from the guy's insurers. The car is not being written off but she has had to settle for less than the full cost of the repair.

Basically she has been ripped off by the insurers. But then who hasn't been?