Insurance Claim Payment Delay

Summary

To address the insurance claim payment delay for your repaired vehicle, start by writing a formal complaint to the insurance company, detailing the claim, incurred costs, and additional expenses. Set a clear deadline for their response. If theres no response, file a complaint with the Financial Ombudsman Service (FOS). Consider pursuing the matter through the Small Claims Court (Simple Procedure) in Scotland for claims up to £5,000. You can claim compensation for the original repair cost, replacement battery, mold removal, devaluation due to delay, and lost trade value. For estimating devaluation, research the current market value of a similar vehicle, consider the impact of mold damage and delay, or get a professional appraisal.

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My car was parked hit by another car their incburcane company given us claim refrance number as the driver accepted the mistake and we got quote from local shop to repair they accepted out quote in pdf latter to my email said go ahead with repair now it's been 8 month car repaired complete they are not paying and even not taking calls car was for resell newly moted car is still stuck with repair shop as no payment made devalueing as it was for trade stared getting mould 4 months ago I send images to inchurance stayed urgent patent car getting moulded interior and during this time battery got complete flat we changed the battery cost £* and mild cleared £* haven't been inspected for futhere damage caused by delay payment and original payment still didn't made what legal are avaliable to deal with situation

First, you should formally write to the insurance company, detailing your claim and costs incurred. Mention the delay, the additional expenses, and the devaluation of the car. If no response, consider lodging a complaint with the Financial Ombudsman Service (FOS).
Where are you based? This will help provide specific guidance.

Scotland

You might want to consider the following steps:
- Write a Formal Complaint: Detail the claim, incurred costs, and additional expenses.
- Financial Ombudsman Service (FOS): If no response, file a complaint with the FOS.
- Legal Action: Consult a solicitor for potential legal action due to the prolonged delay and additional damages.
Have you already written to the insurance company and given them a deadline to respond?

It's important to act quickly. Here's what you should do:
- Write a Formal Complaint: Clearly outline the claim details, expenses incurred, and extra costs. Set a specific deadline for their response.
- Financial Ombudsman Service (FOS): If no response, lodge a complaint.
- Consult a Solicitor: For possible legal action due to delay and damages.
Have you considered seeking initial advice from a solicitor to understand your legal standing better?

I contested solicitor their fees are higher than claim amount

Given your situation, you might want to consider the following steps:
- Write a Formal Complaint: Detail the claim, incurred costs, and additional expenses. Set a clear deadline for their response.
- Financial Ombudsman Service (FOS): If no response, file a complaint with the FOS.
- Small Claims Court: In Scotland, consider pursuing the matter through the Simple Procedure in the sheriff court, which is designed for claims up to £*,*.
Have you considered approaching a legal aid service or a free legal advice clinic for assistance?

Steps to Consider:
- Write a Formal Complaint: Document all incurred costs and damages, and set a deadline for the insurance company to respond.
- Financial Ombudsman Service (FOS): If no response, file a complaint.
- Small Claims Court (Simple Procedure): Suitable for claims up to £*,*.
Have you considered approaching a legal aid service or a free legal advice clinic for assistance?

What companion to add on latter

For your letter to the insurance company, consider adding the following points:
- Detailed Timeline: Outline the entire timeline of events, from the date of the accident to the current date.
- Itemized Costs: List all incurred costs, including the repair, battery replacement, mold removal, and any other related expenses.
- Impact on Value: Explain how the delay has devalued the car and the additional costs incurred due to the delay.
- Specific Demand: State exactly what you are demanding, including the total amount owed and any additional compensation for the inconvenience and devaluation.
- Deadline for Response: Set a clear, reasonable deadline for them to respond and make the payment (e.g., 14 days from the date of the letter).
- Next Steps: Clearly state that if they fail to respond or pay within the deadline, you will escalate the matter to the Financial Ombudsman Service (FOS) and consider legal action through the Small Claims Court.
Would you like assistance in drafting the actual text for your formal complaint?

What compansation am I entitle or can claim it was audi a1 for trade newly moted 8monts of mot was wasted

You'll want to claim compensation for:
- Cost of repairs as originally agreed.
- Replacement battery (£*).
- Mold removal (£*).
- Devaluation due to prolonged delay and mold damage.
- Lost trade value due to 8 months of delay.
Would you like a template for your formal complaint letter?

Yes please and make the figure clear original repair claom * and add devalue claims

Alright, let's draft a clear and concise formal complaint letter for you:
---
[Your Name]
[Your Address]
[City, Postcode]
[Email Address]
[Phone Number]
[Date]
[Insurance Company Name]
[Insurance Company Address]
[City, Postcode]
Subject: Urgent Payment Request for Claim Reference [Your Claim Reference Number]
Dear Sir/Madam,
I am writing to formally request immediate payment for the claim related to my Audi A1 (Claim Reference: [Your Claim Reference Number]). Despite your acceptance of the repair quote and authorization to proceed, I have yet to receive the payment. This delay has caused significant additional costs and devaluation of the vehicle.

Detailed Timeline:
- Date of Accident: [Insert Date]
- Repair Quote Acceptance: [Insert Date]
- Repair Completion: [Insert Date]
- First Contact for Payment: [Insert Date]

Itemized Costs:
- Original Repair Cost: £*
- Replacement Battery: £*
- Mold Removal: £*

Impact on Value:
- Devaluation Due to Delay and Mold Damage: [Estimate the devaluation, e.g., £*]
- LostTrade Value Due to * Months Delay: [Estimate the lost trade value, e.g., £*]

Specific Demand:
I demand immediate payment of the following amounts:
- Original Repair Cost: £*
- Replacement Battery: £*
- Mold Removal: £*
- Devaluation and Lost Trade Value: £[Total estimated devaluation and lost trade value]
Total Amount Owed: £[Total Amount]

Deadline for Response:
Please make the payment within 14 days from the date of this letter. If I do not receive the payment by this deadline, I will escalate the matter to the Financial Ombudsman Service (FOS) and consider legal action through the Small Claims Court.
Thank you for your prompt attention to this matter.
Yours sincerely,
[Your Name]
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Would you like any additional assistance with this?

Not sure what is devlsietion amount

To estimate the devaluation amount, you might consider the following:
*. Market Value: Research the current market value of a similar Audi A1 in the same condition before the delay.
*. Condition Impact: Consider how mold damage and the *-month delay might have reduced its value.
*. Professional Appraisal: If possible, get a professional appraisal for an accurate estimate.
Would you like guidance on how to research the market value or any other assistance?

Insurance Claim Payment Delay

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