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- Linda
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A week ago last Tuesday, we were on the M50 heading to Worcester. A couple of miles up the road, we were passing a lorry doing around 50 and level with the wheels just behind the cab, when it suddenly veered into our lane, forcing us into the central reservation. Fortunately, my gut reaction to stamp my foot down on the accelerator, lock my arms and wrestle with the steering wheel was the right one and we are still here. The car was too damaged body wise to repair. The driver stopped to make sure we were alright, gave us all his details. His boss rang me the next day and checked we were ok, apologised and promised to expedite the claim. They admitted liability. Our insurance company were brilliant: NFU. We were able to call in to their offices in Ross on Wye and they gave us tea and helped us start the claim off. The claim handlers were very helpful too; they advised how to proceed and were very helpful, answering my queries as this went along. When the total loss was declared after the first offer from the adjusters came in: £900 was added to my claim as a result. I have just given them the details of my replacement car [5 years younger] that we will collect on Friday: only a £16 increase in premium. We had a courtesy car during the assessment. We have a rental car now [and could have for two weeks]. During the first two years, I get free gap insurance. So, worth every penny.
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