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Old 19.05.2015, 00:29
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Public transport bus crashed into my car

Hello, my car was parked on the side of the road and a bus driver didn't see it (speculate that she was falling asleep but no witnesses as it was 4am and driver was taking the bus back to depot). She crashed it and the car was seriously damaged beyond repair. The police ruled that it was the bus' fault and that our car would be repaired or we would get a replacement, does anyone have experience dealing with the insurance from the swiss public transport system? Any tips appreciated.
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Old 19.05.2015, 00:32
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Re: Public transport bus crashed into my car

I assume they have 3rd party insurance like any other vehicle.
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Old 19.05.2015, 00:36
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Re: Public transport bus crashed into my car

Thanks. They gave us the contact details of the Insurance union and the union said that our insurance would deal with theirs. This seems odd, that's why I'm lost...
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Old 19.05.2015, 00:45
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Re: Public transport bus crashed into my car

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This seems odd, that's why I'm lost...
No, it's perfectly normal. And believe me you'd rather have your insurance company negotiate with the other insurance company for you rather than having to do it yourself. Just file a claim with your insurance, explaining what happened. They'll obtain a copy of the police report and they should more or less take care of the rest.
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Old 19.05.2015, 00:49
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Re: Public transport bus crashed into my car

Oh I'm really glad to hear. I obviously prefer not to waste my time since it wasn't my fault at all, I just found it odd that my insurance had to be involved when it was the other party's fault. Thanks a lot for your response!
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Old 19.05.2015, 01:07
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Re: Public transport bus crashed into my car

Your insurance has to be involved because you might theoretically be "at fault". There are often two sides to every story after an accident and "fault" has to be officially negotiated by the insurance companies. Practically speaking, your case is pretty clear-cut so don't worry, it's just part of the process.

Be aware, you may also have other coverage which may apply. For instance, you might be entitled to a rental car through your policy for the duration while everything's getting sorted out. In filing a claim, they should take the time to explain the process to you and also let you know what you are entitled to under your policy. If they don't volunteer this information, ask.

Don't stress, just call the insurance company tomorrow.
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Old 20.05.2015, 23:26
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Re: Public transport bus crashed into my car

Thank you for the responses. The police had told us that TPG's insurance would repair our car or we'd get a new one but our insurance said that the car is beyond repair and that we'd get money for the market value of the car before the accident. Any ideas if this is correct? I'm very upset because I'm really not in a position at this time to go hunting to buy a used car with whatever money they give me, etc. Thoughts? Should I seek legal advice?
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Old 20.05.2015, 23:54
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Re: Public transport bus crashed into my car

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Thank you for the responses. The police had told us that TPG's insurance would repair our car or we'd get a new one but our insurance said that the car is beyond repair and that we'd get money for the market value of the car before the accident. Any ideas if this is correct? I'm very upset because I'm really not in a position at this time to go hunting to buy a used car with whatever money they give me, etc. Thoughts? Should I seek legal advice?
If your car is written off, then you get money and need to go and find a new one and buy it yourself, what else would you expect?!
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Old 20.05.2015, 23:59
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Re: Public transport bus crashed into my car

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If your car is written off, then you get money and need to go and find a new one and buy it yourself, what else would you expect?!
The car could be repaired, it's just that it's way too expensive for the insurances to want to cover it. I expect not to have to deal with this issue since a bus literally run over my car and it was their fault. I'm looking to hear from other people's experiences, I just want a fair outcome and I don't think we're getting one. I'm looking for helpful advice in a stressful situation btw so if you want to argue please don't bother responding...
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Old 21.05.2015, 00:13
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Re: Public transport bus crashed into my car

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The car could be repaired, it's just that it's way too expensive for the insurances to want to cover it. I expect not to have to deal with this issue since a bus literally run over my car and it was their fault. I'm looking to hear from other people's experiences, I just want a fair outcome and I don't think we're getting one. I'm looking for helpful advice in a stressful situation btw so if you want to argue please don't bother responding...
Whats not fair? The car will be repaired or you get a cash settlement which should put you in the same position your were before the accident. You've been told that by the police and your insurer will do 1 or the other, and it sounds like thats in motion. If you need another vehicle this should be provided by your insurer and recovered from the bus companies insurer, so you should still be mobile at no cost... what else would you expect to happen to make it more fair?

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Thoughts? Should I seek legal advice?
You haven't by the sounds of it had a proposal from the insurer and your thinking about lawyers. I have a thought........
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Old 21.05.2015, 00:37
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Re: Public transport bus crashed into my car

I think what happyfeet means is this:
- yesterday i had a perfectly working car
- today i have a sum of money representing the car's market value
- however, had the accident not happened, I'd rather still have a usable car than a sum of money and the hassle of buying another car (which in the end means more money on travel, insurance, taxes, plates and so on)

I would also agree this is not fair. Unfortunately that's how it works and it will have to be good enough.
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Old 21.05.2015, 08:39
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Re: Public transport bus crashed into my car

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I think what happyfeet means is this:
- yesterday i had a perfectly working car
- today i have a sum of money representing the car's market value
- however, had the accident not happened, I'd rather still have a usable car than a sum of money and the hassle of buying another car (which in the end means more money on travel, insurance, taxes, plates and so on)

I would also agree this is not fair. Unfortunately that's how it works and it will have to be good enough.
Representing the cost to replace the car with like for like

Lets say Happyfeet's car hadn't had the MFK done in the last few months - but instead 18 months ago - I'd be perfectly happy with someone giving me the money to replace the car with something similar. Because:
1) The car that was destroyed was worth much less than the amount paid out due to needing to cover dealer margins etc
2) The replacement car will be freshly serviced
3) The replacement car will have a fresh MFK
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Old 21.05.2015, 09:01
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Re: Public transport bus crashed into my car

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The car could be repaired, it's just that it's way too expensive for the insurances to want to cover it. I expect not to have to deal with this issue since a bus literally run over my car and it was their fault. I'm looking to hear from other people's experiences, I just want a fair outcome and I don't think we're getting one. I'm looking for helpful advice in a stressful situation btw so if you want to argue please don't bother responding...
Insurance sucks ..... even when you're the innocent party.

Your insurance company will have tables of parts and labour costs to make a ball-park estimation that, in your case, materials and time needed to restore your car to it's pre-accident condition are not comparable to it's market value.

The easiest and cheapest option for insurance companies, is to pay out current market value of your car ..... which unfortunately is probably less than you think and not enough to buy an exact replacement.

Like I say - it sucks. All insurance companies work within the same industry, follow the same guidelines and look out for each other interests - even when they're opposing in the same claim.

You may get a 'buy back' offer to buy your car from the insurance company for it's current damaged value, which will be deducted from the settlement, so you could consider repairing it yourself - my advice is DON'T. Take what you can and walk away.

I have experience from a similar incident with a motorbike, with not substantial damage, but was written off, from nearly 20 years ago. I got my settlement, less buy back - and it's still sitting rotting away in a shed.
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Old 21.05.2015, 09:08
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Re: Public transport bus crashed into my car

Your first post says the car was damaged beyond repair....and now you want it repaired, no wonder I'm confused. I know that in the UK you might be offered a replacement car or the cash depending on your insurance, but here it is cash. Some people want the cash and others want the car, but at least you will get sorted out.

Will the insurance company provide you with a hire car until you buy another one?
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Old 21.05.2015, 09:08
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Re: Public transport bus crashed into my car

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The easiest and cheapest option for insurance companies, is to pay out current market value of your car ..... which unfortunately is probably less than you think and not enough to buy an exact replacement.
Not in Switzerland - I have known people have a right off and been genuinely shocked by how much they received/offered for their car.
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Old 21.05.2015, 09:34
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Re: Public transport bus crashed into my car

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The car could be repaired, it's just that it's way too expensive for the insurances to want to cover it. I expect not to have to deal with this issue since a bus literally run over my car and it was their fault. I'm looking to hear from other people's experiences, I just want a fair outcome and I don't think we're getting one. I'm looking for helpful advice in a stressful situation btw so if you want to argue please don't bother responding...
As others have said already, this is how insurances work. If the insurance company has to cover repair costs they look at the market value of the car: the moment market value < repair costs you get money and the car gets written off so they always pay the lower amount. No way around it I'm afraid but there is still hope for you to get a fair amount of cash
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Old 21.05.2015, 11:17
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Public transport bus crashed into my car

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Not in Switzerland - I have known people have a right off and been genuinely shocked by how much they received/offered for their car.
I had a car written off the insurers paid 4700 CHF, I doubt I would have got more than 1500 on EF. I could of have bought the car as salvage for 500 & get the parts from a dump for another 500 but did not bother. The op could do the same if they wanted
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Old 21.05.2015, 11:29
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Re: Public transport bus crashed into my car

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I had a car written off the insurers paid 4700 CHF, I doubt I would have got more than 1500 on EF. I could of have bought the car as salvage for 500 & get the parts from a dump for another 500 but did not bother. The op could do the same if they wanted
So what we have learned is that not only do EF users base their inflated values of cars on Autoscout cars which haven't sold - but so do insurance companies

(Talking of which: I have been tracking a car for sale since it came onto AS about 6 weeks ago - still not sold. Yesterday the seller increased the price by 12.5%!!!)
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Old 21.05.2015, 11:42
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Re: Public transport bus crashed into my car

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Thank you for the responses. The police had told us that TPG's insurance would repair our car or we'd get a new one but our insurance said that the car is beyond repair and that we'd get money for the market value of the car before the accident. Any ideas if this is correct? I'm very upset because I'm really not in a position at this time to go hunting to buy a used car with whatever money they give me, etc. Thoughts? Should I seek legal advice?
This is the norm- it happened to us in the UK too- our car was written off thorugh absolutely NO fault of our own. The value for insurance purposes was way below what we needed to replace it- as we had bought the car from our dealer at a way below special offer price- and could not replace it for anything similar.
From comments above- it seems you might be more lucky here in CH with the amount given. What sort of car was it?

Last edited by Odile; 21.05.2015 at 11:52.
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Old 21.05.2015, 11:48
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Re: Public transport bus crashed into my car

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I had a car written off the insurers paid 4700 CHF, I doubt I would have got more than 1500 on EF. I could of have bought the car as salvage for 500 & get the parts from a dump for another 500 but did not bother. The op could do the same if they wanted
If it is a German car, then taking it as the settlement and getting some parts new off ebay Germany is cheaper than the scrap yards here which are usually extortionate. Taking the car to a workshop in Poland or Germany might be a reasonable option if the chassis is still true and you have contacts there.
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