Car Insurance - who's the boss, me or them?

Gordon_Hose

The_Cardinal wrote: »

I hear what you're saying. Unfortunately I cannot prove that the fella was on the phone. My original question was simply to try and understand whether I can instruct my insurer that they should not pay any claim. It would appear from the replies that I cannot. However, I will give it a go. Whatever happens, it seems like the insurer will pay out to the other bloke (although I understand that no claim has been made at this point), so it makes no odds whether I try it or not.

Luckily I've got protected NCD, so it's not that bad.

Well, him being on the phone is completely irrelevant really. You merged into the lane he was driving in, so you were at fault and your insurance company will pay out on that basis.

There must be some circumstances that are rather ambiguous as to who's at fault in an accident, in that case your insurer will investigate. But this is an easy one to prove who is at fault, and even if you did ask your insurer not to pay out, they wouldn't listen to you in an open and shut case like this one.

Gene_Hunt_2

Gordon_Hose wrote: »

Well, him being on the phone is completely irrelevant really. You merged into the lane he was driving in, so you were at fault and your insurance company will pay out on that basis.

There must be some circumstances that are rather ambiguous as to who's at fault in an accident, in that case your insurer will investigate. But this is an easy one to prove who is at fault, and even if you did ask your insurer not to pay out, they wouldn't listen to you in an open and shut case like this one.

It's great isn't it?

He hits you and it's his fault, the insurance company agree and want to pay out. (Top marks to them) Then he decides he disagrees with them and wants to instruct them not to pay out.

Let's be thankful he didn't hit one of us.

Gordon_Hose

To be fair, when the chav in the Fiesta hit me, I reported it to the Police (because he drove off) and my insurance company. A week later I got a letter from the cops saying they weren't taking any further action and a letter from Direct Line informing me they were paying out.

I was livid. It's an understandable emotion to have when something like that happens. I took every precaution to make sure the lane was clear before I moved into it, and because the chav came flying round the corner like a lunatic he couldn't stop in time. But because I was the one changing lanes, it was my fault.

I understand the OP's frustration completely. But asking the insurer not to pay out is pretty futile in this instance.

Gene_Hunt_2

Why wasn't it taken any further Gordon?

Gordon_Hose

Nothing to take further I guess. My fault, and he obviously had the necessary documents to allow him to drive a car on the road.

Chalked that one up to experience.

Gene_Hunt_2

Gordon_Hose wrote: »

Nothing to take further I guess. My fault, and he obviously had the necessary documents to allow him to drive a car on the road.

Chalked that one up to experience.

Must have missed the day they removed fail to stop and report from the RTA.

Gordon_Hose

Gene_Hunt wrote: »

Must have missed the day they removed fail to stop and report from the RTA.

Yeah, that's exactly what I thought lol.

The_Cardinal

Gene_Hunt wrote: »

It's great isn't it?

He hits you and it's his fault, the insurance company agree and want to pay out. (Top marks to them) Then he decides he disagrees with them and wants to instruct them not to pay out.

Let's be thankful he didn't hit one of us.

You really are a complete idiot. You must learn to keep your opinions to yourself. Just like your other posts you are jumping to all sorts of conclusions for which you have absolutely no evidence. All of your posts have been a complete waste of time.

kataddey

I'd hate to get stuck in the right hand lane in traffic behind some of the posters on this thread (Gene Hunt, Innactive et al) - sounds like they'd never merge in because its clearly wrong/illegal/stupid/dangerous so i'd probably be stuck there for days.......

Mind you, they are probably the same people who sit in the middle lane.....

Inactive

kataddey wrote: »

I'd hate to get stuck in the right hand lane in traffic behind some of the posters on this thread (Gene Hunt, Innactive et al) - sounds like they'd never merge in because its clearly wrong/illegal/stupid/dangerous so i'd probably be stuck there for days.......

Not at all, as long as it is done safely, which of course in this case, it was not.