Help Needed Fast on Motor Insurance Matters

[Eguono]

I got hit by a car recently and my car was taken away for repairs. I have just been told by my insurance that my car should not have been on the road reason being that its "half and half". I did my due diligence before buying this car in 2011, HPI checks and all and it came out clean. The insurance company also confirmed this as well to me.

Now it looks like my insurance company does not want to pay out for my car and they want to cancel my insurance and leave me without a car.

WHAT DO I DO. PLEASE SOMEBODY HELP ME. I AM A SINGLE MUM WITH 3 KIDS.

[factor-fiction]

Look at the terms of the HPI check- do they say they will accept responsibility for errors?

[EDDIE51]

Do you mean its 2 cars joined together ? that happened to my brother.

[EDDIE51]

An HPI check just records if a 'total loss payment' has been recorded against the car. A lot of cars are repaired with out being recorded as a total loss so nothing would be on the records. Who did you buy it off ? if it was a trader you may be able to claim against them. How old is the car ? again I would have expected an MOT to show this. That was how my brother found out his car was in fact 2 cars welded together.

[SherryCorndell]

What does "half and half" mean? That's not something I have ever heard of. Did the car that hit you have auto insurance or was it uninsured? If you are not at fault for the accident you should be able to make a claim against the other driver and go thru his/her insurance.

[EDDIE51]

I think she means that she has bought a car that has been made from 2 cars welded together , one is the front and one is the back. As I said , this happened to my brother. He bought a Mini Metro that turned out to be the front of one car welded on to the back of another.

[ChuckFickens]

That probably doubled the value of a metro!

[factor-fiction]

A 'half and half ' is known in the trade as a 'cut and shunt' car (careful if you try to say that aloud).
http://www.autotrader...security/illegal-cars

[dotty.]

why is it a problem if they agreed to insure it ? The insurance company accepted the reports and hpi checks and took your money, what do they check when they put the car in their system?

[Baldric]

Think you'll find it's CUT and SHUT factor!

although your version is more discriptive imo

[factor-fiction]

Yes, you're right Baldric- although shunt and cut would make some sense. Googling 'cut and shunt' does throw up quite a few hits . Even the Daily Mail referred to it http://www.dailymail....-cut-shunt-liner.html