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If you've explained the details to your insurance company fully, then they should be using their legal team to go after the sub contractor's insurer anyway
This is what is happening.
The subcontractor is a huge company and will be insured. But the people on the ground are morons, so it's easier to let the insurers deal with it.
Velocio-
Had my misses car damaged by a contractor vehicle delivering to a site, on the other side of the road! Thankfully came out with a repair to the clear coat in under an hour.
Their site boss was very un interested . -
Sweet, best way of sorting it tbh, less hassle for you.
How is the brand new car thing working out? I know some insurers replace a car that's less than 12 months old with a brand new one automatically (mitigating the depreciation costs), but others will only pay out what it's worth now, meaning you need GAP insurance.
BrickMan
NurseHolliday
@Velocio it sounds like you're already claiming from the council's subcontractor, but if you're not, then that's what you should be doing!
If you've explained the details to your insurance company fully, then they should be using their legal team to go after the sub contractor's insurer anyway.
Unfortunately even if it is a non-fault claim, you might still see a small rise in premiums. I don't think insurance premium models are advanced enough to differentiate between different types of non-fault claims. Even though the likelihood of this type of "accident" happening again is basically non-existent (well for another 25 years at least), all the model will compute is that your car is in a vulnerable position because while it was left unattended, it was damaged to the point of write off.