Letter of claim, with no name? no reg number?

mikey72

Have you by any chance just cancelled your own policy without advising your own insurer you have been in an accident?

[Deleted User]

No they know, the car concerned has been scrapped 6 months back, but they requested the policy stay open and paid until 6 months had passed.

mikey72

assj wrote: »

I dont think they know who we are though and do not have our vehicle details nor the name, hence how can they prove anything?

They sent the letter to your house surely?

mikey72

assj wrote: »

No they know, the car concerned has been scrapped 6 months back, but they requested the policy stay open and paid until 6 months had passed.

That's even more strange, you can't insure a car you no longer own.

[Deleted User]

she advised the insurance comapny of the accident on the date it occured therefore the insurance had to be kept open and paid incase the third party decided to make a claim, but they havent actually made a claim through the insruance just sent us a later asking for a cheque or to pass it onto the insurance. My wife gave full details at the scene of the accident including, name address and insurance details! All i can assume is that these details must have been lost by the third party. My wife does not want to admit liability by paying as the accident was not her fault as the third party was driving on the wrong side of the carriageway!

noh

assj wrote: »

she advised the insurance comapny of the accident on the date it occured therefore the insurance had to be kept open and paid incase the third party decided to make a claim, but they havent actually made a claim through the insruance just sent us a later asking for a cheque or to pass it onto the insurance. My wife gave full details at the scene of the accident including, name address and insurance details! All i can assume is that these details must have been lost by the third party. My wife does not want to admit liability by paying as the accident was not her fault as the third party was driving on the wrong side of the carriageway!

From your description of the accident it was nobody elses fault but hers.

Those two dashed lines at the end of the side road mean
"Give way to traffic on major road"
it is not conditional on the speed or side of the road that traffic is on.

birkee

assj wrote: »

He was driving at 20 MPH over speed limit and she was already pulled out, she was half way so he didn't want to wait and the accident occured on the wrong side of the road in his case, therfore she argues why was he on the wrong carriageway. If that makes sense, not saying it's right that's just what happened, and the insurance arguement was to be as agreed with AA Insurance - but then there was no claim until now,

If an approaching vehicle managed to hit a vehicle pulling out of a side road, then the vehicle should not have pulled out of the sideroad, no matter what the approaching vehicle was doing.
It should not have been obstructed.

What happens if the approaching vehicle was sliding along on its roof, after an accident up the road? What's the driver supposed to do?
Judgement! It's all about judgement.

birkee

mikey72 wrote: »

That's even more strange, you can't insure a car you no longer own.

They owe the premium due on day one, whether the car lasts two days or two years.

Addition:
Sometimes you can get a rebate, if surrendered earlier than the full year.

[Deleted User]

ok so she had already pulled out beginning to drive on the correct side of the road (there was no traffic when she pulled out!) and the van clearly speeding drives onto the wrong side of the road smashes into her car ! that is her fault is it? amazing! what a crap world we live in!

[Deleted User]

seriously no wonder people do not bother with insurance these days! if people blame others for accidents they cause! maybe when our renewal comes up i wont bother for the fear of paying out somebody's costs for repair when they cause an accident!