Car insurance claim - no motor legal protection

paul110590

***** *****

dacouch

What are the circumstances of the accident eg did they hit you in the rear etc?

Is your brother of any passengers injured?

Is your brothers car legally driveable?

BenL

Are you sure the other party is insured?

Stick their details into http://www.askmid.co.uk/ and it will let you know if they are covered.

If not, time for the police to be involved

Mark_Hewitt

Are you sure you are not at fault? In which case instruct your own solicitors. I did for a couple of crashes and they sorted it all out for me, start to finish.

chalkie99

Your Third Party cover will not cover you for damage to your own vehicle but it will cover damage to the other persons car if they are claiming from you - subject, of course, to them succeeding in their counter claim.

It is therefore important that you pass the papers you have received onto your own insurance company so that they can defend the claim against you.

Don't delay doing this or they may wash their hands of it.

dacouch

Try ringing your Insurers back and asking to speak to a superviser, explain to them the cicumstances of the accident, that you have a witness etc. Advise them you have been told they may be able to help out.

Even though you do not have legal expense cover their Legal Company would normally take on the claim as they will make money from a credit hire (Providing you with a hire car and billing the other drivers insurance) and a credit repair (Repairing your car at their cost and then billing the other drivers insurance). They will normally pay your Insurers a commission for them introducing you so your Insurers will normally try and help out.

They will normally only take the case on if they are confident they have a very good chance of recovering their money. This is where the independent witness will be helpful, it would also be sensibel for you to take photos of where the accident happened along with any signs and especially any skid marks.

Bear in mind that if they cannot recover their money they will sometimes ask you to reimberse them so read all the paperwork and ask them how it works. They should also be able to recover any other reasonable losses you may have incurred eg loss of wages etc.

If your Insurers do not play ball post back up here.

chalkie99

paul110590 wrote: »

Thanks. So we just need to pass the letter on and then they will contact us for our side of the story?

Yes, they will probably send you a claim form to get a written record of your side of the story.

If it had only been damage to your car then, as they were not covering that, they had no interest in the accident. Now they need to know what happened in case the other driver makes a successful claim against you. I wouldn't worry too much though as it is pretty much standard practice to make such a counter claim to try and negotiate down what they might owe you.

1984ReturnsForReal_2

BenL wrote: »

Are you sure the other party is insured?

Stick their details into http://www.askmid.co.uk/ and it will let you know if they are covered.

If not, time for the police to be involved

Is it legal to check someone elses reg details?

:rolleyes:

dacouch

1984ReturnsForReal wrote: »

Is it legal to check someone elses reg details?

:rolleyes:

It is now, being a government body they are now offering a service (Cashing in?) where if you have an accident you can put the reg number in, it will confirm its covered, tell you the Insurer, Policy Number and claim number to ring for the other driver for the sum of £3.50

manutd99

Try one of those firms that offer NO WIN NO FEE. Google it and there should be loads

anewman

Sounds to me like they're insurance scamsters. Insurance claims always go against someone who goes into the back of someone (as it's your responsibility to keep your distance and brake etc). I would look into pointing this out to the insurance companies involved.

On another note if an insurer offers legal cover for an extra £20 or £30 it's worth it.