My insurer telling me to do the leg work?!?

mikey72

Another example of why premiums increase.
Instead of the insurance company dealing with the claim, you may now be forced to get a third party claims management company to handle it.
So a vastly inflated credit hire car, then their fees on top, all because the insurance company decide they can't play ball. You may as well go to a cashback company, at least you will get something out of it as well.

bouncydog1

At the end of the day it is up to the policyholder to report the accident to insurers. Insurers may be prompted to contact their policyholder to request a claim form but if the policyholder decides that they do not want to involve their insurer and refuses to acknowledge the claim there is not a lot that the insurers can do about it. Is there an independent witness or did the other driver put their liability in writing which will help your case.

Drivers do sometimes admit liability then change their stories when they have had chance to think about it.

I would suggest that you follow the advice of the others given on here - get an estimate for repairs and a hire car for the period that your car is going to be off the roads. Try and make contact with the driver again and see what happens. If nothing does then you may be forced to take legal action against the driver to see if this prompts the involvement of the third party insurers.

This is one of the reasons why third party cover is cheaper than comp - you get the minimum cover and level of service.

Quote

danielley wrote: »

You live and learn.

So it's fully comprehensive cover with legal protection next time, yeah?

danielley

Quote wrote: »

So it's fully comprehensive cover with legal protection next time, yeah?

Nope apparently I can go third party and pay for the legal cover separately and that would have covered me, so I’ll be doing that.

Quentin

What will you do if you skid on some ice, hit a wall and write off your car?

kai666

danielley wrote: »

Nope apparently I can go third party and pay for the legal cover separately and that would have covered me, so I’ll be doing that.

What age is your car?

danielley

It's 9 year old Fiat Punto.

I wondered how long it would be before I started getting slightly hostile remarks :rotfl:

huckster

I think there is a point to comments.

A relative of mine for years took out third party cover thinking it was the cheapest available for an older car. They then got quotes for comprehensive cover that were actually cheaper.

Sometimes, as less people have third party cover only, it is cheaper to have comp cover.

With a 9 years old Punto only being worth approx £1500 (guess), it would not take too much damage for the car to be considered a write off. It might only be minor damage to you, but it can be quite suprising how much it costs to repair bodywork damage, particularly if they replace parts.

zppp

danielley wrote: »

It's 9 year old Fiat Punto.

I wondered how long it would be before I started getting slightly hostile remarks :rotfl:

They are not hostile tbh. I think people are trying to tell you to look at fully comprehensive insurance that's all.

danielley

I know, I'm only joking.

I have been Comprehensive for the first 7 years of owning the car. I always check the Comprehensive price, but this year and last the prices got very silly indeed.

I would still get 3rd party again, I am just now forewarned that if god forbid I am at a crash scene again I will call the police to the incident as now I am aware that I need to prove and drive the case forward myself and having more information will help this.