I will avoid certain details to ensure I'm not identifiable..
The other day was travelling apprx 300miles and at about 290miles I hit a deer! That's the first time I've seen one in real life , not a pleasant one.
Travelling at 65-70mph my M3 took a strong hit, all passengers are fine and the deer too.
The car was undrivable as the deer hit the front passenger side and pieces folded behind the wheel.
The "guy" popped out of nowhere in the middle lane and annoyingly was pitch black all around (no cars near me) so couldn't see nada until it was too late..
Reported to police and logged insurance claim (Direct Line).
This is my first ever claim in 10yrs of driving and I have no clue how things work nor do I have anyone more "senior" to advise me, unfortunately.
Now here are my questions:
1. The insurance said this is a fault-based claim. I obviously disagree as I don't have a fault in this.
Their logic is that since deers don't have insurance ( ) I get the blame as there's no other third party.
My NCD has taken a -5yr hit
Is this correct, am I to blame?
2. Got referred to Veetec for the repairs. They are a Tesla-approved bodyshop. I understand this is the best after the manufacturer.
Has anyone got feedback on them or their work at all?
3. I have been referred to Auxillis for the hire car. Their reviews are shocking and got me quite frightened.. From shocking conditions of teh cars, to not respecting requests, to dropping off the wrong cars and cars people can't drive, etc.
I've also given them a call and they suggest that they will "attempt" to get an automatic (two of the named drivers have auto only licenses so they wouldn't be able to drive anything) but the cars they're proposing will depend on the branch but something like Nissan Micra, Toyota Aygo, etc.
WTF??? Now I don't need to say that these do not compare at all to a Model 3.. Is this normal?
My issues are the following:
- Car is nowhere near comparable to mine in size
- I was travelling and planning to stay 2-3 weeks here and therefore I had a boot full (including rear seats down) of belongings and other things. There is 0 chance to fit all that into a Micra or Aygo if I had to go back home (likely, given the car isn't going to be fixed that quickly).
- Due to the nature of my work I can't roll up with a car like that as it will make look half dodgy and half not serious or not good at my job given I can't afford something more premium. (I know it's superficial AF and insurance DGAF but it is a problem for me and I definitely cannot afford to hire one myself for 2 months or more while paying all my other expenses and the loan on the car )
- I drive a LOT and have quite a few commitments (hence the trip) with a lot of medical and work appts and gas on a car will cost me a lot compared to charging the car ).
Do any of the above matter? - Possibly the auto thing and not similar to my car size/capacity is the only thing I can leverage I take it?
4. Given the *sugar* reviews, can I ask them to use a different company?
Thanks for anyone taking the time to read this
P.S. to make myself not identifiable I can't post pic of the damage, but I've seen people on US forum posting pics and it looks very similar to those but the windshield is intact. No Airbag deployment.
The other day was travelling apprx 300miles and at about 290miles I hit a deer! That's the first time I've seen one in real life , not a pleasant one.
Travelling at 65-70mph my M3 took a strong hit, all passengers are fine and the deer too.
The car was undrivable as the deer hit the front passenger side and pieces folded behind the wheel.
The "guy" popped out of nowhere in the middle lane and annoyingly was pitch black all around (no cars near me) so couldn't see nada until it was too late..
Reported to police and logged insurance claim (Direct Line).
This is my first ever claim in 10yrs of driving and I have no clue how things work nor do I have anyone more "senior" to advise me, unfortunately.
Now here are my questions:
1. The insurance said this is a fault-based claim. I obviously disagree as I don't have a fault in this.
Their logic is that since deers don't have insurance ( ) I get the blame as there's no other third party.
My NCD has taken a -5yr hit
Is this correct, am I to blame?
2. Got referred to Veetec for the repairs. They are a Tesla-approved bodyshop. I understand this is the best after the manufacturer.
Has anyone got feedback on them or their work at all?
3. I have been referred to Auxillis for the hire car. Their reviews are shocking and got me quite frightened.. From shocking conditions of teh cars, to not respecting requests, to dropping off the wrong cars and cars people can't drive, etc.
I've also given them a call and they suggest that they will "attempt" to get an automatic (two of the named drivers have auto only licenses so they wouldn't be able to drive anything) but the cars they're proposing will depend on the branch but something like Nissan Micra, Toyota Aygo, etc.
WTF??? Now I don't need to say that these do not compare at all to a Model 3.. Is this normal?
My issues are the following:
- Car is nowhere near comparable to mine in size
- I was travelling and planning to stay 2-3 weeks here and therefore I had a boot full (including rear seats down) of belongings and other things. There is 0 chance to fit all that into a Micra or Aygo if I had to go back home (likely, given the car isn't going to be fixed that quickly).
- Due to the nature of my work I can't roll up with a car like that as it will make look half dodgy and half not serious or not good at my job given I can't afford something more premium. (I know it's superficial AF and insurance DGAF but it is a problem for me and I definitely cannot afford to hire one myself for 2 months or more while paying all my other expenses and the loan on the car )
- I drive a LOT and have quite a few commitments (hence the trip) with a lot of medical and work appts and gas on a car will cost me a lot compared to charging the car ).
Do any of the above matter? - Possibly the auto thing and not similar to my car size/capacity is the only thing I can leverage I take it?
4. Given the *sugar* reviews, can I ask them to use a different company?
Thanks for anyone taking the time to read this
P.S. to make myself not identifiable I can't post pic of the damage, but I've seen people on US forum posting pics and it looks very similar to those but the windshield is intact. No Airbag deployment.