PLEASE HELP WITH ADVICE - taken to court

BigTrouble_2

Quentin wrote: »

It is the date of the incident that is relevant to which insurer is covering you.

Yes, I understand that, thanks. I just wanted to check if it will be up to the insurer to deal with the third-party claim and I won't have to get involved any more.

BigTrouble_2

Quentin wrote: »

If you want to have your defence costs paid by your insurer then ask them why they have refused you legal representation - the incident could well lead to the third party claiming you are legally liable for their injuries.

If they do agree to pay your costs, then it will be a claim irrespective of the outcome. If you win and the third party doesn't make any claim you can restore your NCB by reimbursing your insurer their costs.

I asked my insurer if they will provide legal representation and they said no. So I wasn't expecting them to pay for my lawyer in the end and paid up from my own earnings.

So since the insurer is not paying for my costs - does it still count as my claim, in case the third party claims? Does it if the third party doesn't claim?

Thank you so much for your time and advice.

Quentin

Yes, if the third party subsequently makes a claim against you over this, (and it is successful), then it will be a fault claim against you.

Quentin

BigTrouble wrote: »

I just wanted to check if it will be up to the insurer to deal with the third-party claim and I won't have to get involved any more.

Any successful claim would be "your problem" in so much as it will affect your NCD/future premiums etc.

BigTrouble_2

Quentin wrote: »

Any successful claim would be "your problem" in so much as it will affect your NCD/future premiums etc.

I wouldn't have a NCB for this year anyway.

So I assume I will need to call my old insurer from time to time to see if they claim and if the claim is settled and check the amount.

BigTrouble_2

Quentin wrote: »

Yes, if the third party subsequently makes a claim against you over this, (and it is successful), then it will be a fault claim against you.

And if they don't - or if the claim is unsuccessful? Does it mean that I will have had an accident in my history but no claims for that accident?

Quentin

Yes - the accident is in your history now, and should be declared to any new insurer.

BigTrouble_2

LandyAndy wrote: »

Thanks for the update. Good luck in September.

Thank you!

Quentin

BigTrouble wrote: »

I wouldn't have a NCB for this year anyway.

So I assume I will need to call my old insurer from time to time to see if they claim and if the claim is settled and check the amount.

Do you mean you have nil NCD, and have made another claim this year so that you will have nil NCD to take elsewhere?

If that's the case you should just declare the incident to future insurers, and if you don't know if a claim has ensued, then tell them that (ie. tell them you don't know if there has been a claim against you over the incident - if there is one, then a future insurer should be able to see it on their database)

BigTrouble_2

Quentin wrote: »

Yes - the accident is in your history now, and should be declared to any new insurer.

Thanks again. I would never think of hiding it if asked. Still, many insurers (especially price comparison web-sites) ask to mention all claims - they don't ask to mention all accidents.

Which is why I want to be certain as to what to do if it remains an accident with no claim attached. I understand that at this point I have to declare it as an unsettled claim.

Quentin, please, can you have a look at my other thread specifically about my car insurance? It is due for renewal soon, and I am asking a few questions there and have had no joy.

https://forums.moneysavingexpert.com/discussion/2591687