保険会社s are STILL stinging drivers by undervaluing written-off cars, says FCA

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Car 保険会社s are ripping off drivers by 支払う／賃金ing them いっそう少なく than the value of their written-off 乗り物s, the city 監視者 has said.

Written-off cars are those either 損失d beyond 修理 or past the point of 存在 economical to 直す／買収する，八百長をする.?

In these 状況／情勢s 保険会社s are meant to 支払う／賃金 a fair cash value for the 乗り物, but many 主張する on lowballing 顧客s.?

A review by the 財政上の 行為／行う 当局 (FCA) 設立する that some 保険会社s only 増加する these low 申し込む／申し出s when a?顧客 complains.

This is にもかかわらず the FCA 警告 保険会社s not to?undervalue cars?or other insured items when settling （人命などを）奪う，主張するs.

The FCA 問題／発行するd a 類似の 警告 発射 to car 保険会社s?in 2022, and systematic low 保険 payouts had been 報告（する）／憶測d on by This is Money as far 支援する as 2011.?

The regulator did not 指名する which 保険会社s were 有罪の of underpaying 消費者s for totalled cars, but did say it was 'engaging' with the 会社／堅いs 伴う／関わるd.

FCA (n)役員／(a)執行力のある director, 消費者s and 競争, Sheldon Mills said: 'Having your 乗り物 written off or stolen can be intensely stressful and we 推定する／予想する 会社／堅いs to 申し込む／申し出 the 権利 support to help their 顧客s.

'We 推定する／予想する all モーター 保険会社s to take 公式文書，認める of our findings and we are engaging 直接／まっすぐに with those that have 問題／発行するs that need to be 演説（する）／住所d.'

What are my 権利s if my car is written off?

If your car is 損失d to the point it cannot be driven or 直す／買収する，八百長をするd for a decent price, 保険会社s are meant to 支払う／賃金 you a fair sum that will buy you a like-for-like car, in 類似の 条件 and at 現実主義の prices for your area.

All the 保険会社 should deduct is the 超過 you agreed to when taking the 政策.?

顧客s who think their （人命などを）奪う，主張する may have been undervalued can complain to their 保険会社, and then to the 財政上の Ombudsman Service (FOS) if their （民事の）告訴 is not 解決するd.

The 決定的な （警察などへの）密告，告訴（状） that you need 伴う／関わるs as much 証拠 as possible on the exact 詳細（に述べる）s of your car, its 条件 and important value factors, such as a 十分な service history. You also then need 類似の prices for cars in a 類似の 条件 on the open market, these can be 得るd with screenshots from 場所／位置s such as Autotrader.?

Car valuation 道具s and quick sale 申し込む／申し出s often give lower 人物／姿／数字s than advertised prices and while 保険会社s car argue that 買い手s can 交渉する 割引s, these are often not 相当な on used cars in the 数字表示式の 時代 of 平易な price 発見.

（民事の）告訴s against car 保険会社s are one of the major 推論する／理由s for a big spike in 事例／患者s?存在 扱うd by the FOS.

When can I complain to the FOS??

The first thing you should do is 接触する the 保険会社 you have the 問題／発行する with.

If they do not 答える／応じる, or you are not happy with the 返答, you can then complain to them.

If they do not send a 返答 within 15 days, or they do but you think it is 不公平な, you can then turn to the FOS, which is 解放する／自由な to use.