My insurance not willing to pay

Just_Some_Guy

joseph_11 wrote: »

Sorry Guys i need help asap. please read !!!

I had a car accident on Tuesday, we are both blaming each other for the accident, I am scared that at some point my car insurance company will get back to me asking for a copy of my driving license were they would see my points which I did not tell them about. Is there any way round this? Is there a possibility they may not ask for my license?


thanks

Depends. If the accident is in any way major then someone somewhere will need to see your licence. Some places always ask for photocopies/scans of the card + paper counterpart. Who are you insured with?

What are the points for? If it's just an SP30 then you'll probably get away with it but if it is one of the more serious codes then you could find that the insurer cancels your policy from inception (i.e. as if the policy never existed). This will land you in very hot water.

Quentin

joseph_11 wrote: »

Sorry Guys i need help asap. please read !!!

I had a car accident on Tuesday, we are both blaming each other for the accident, I am scared that at some point my car insurance company will get back to me asking for a copy of my driving license were they would see my points which I did not tell them about. Is there any way round this? Is there a possibility they may not ask for my license?

There is every possibility that they will recheck everything you told them if a claim turns up (from either side).

Your only way round this is to inform them now about your oversight.

If they do get a claim in from the third party, (before you sort this points issue out), they may decide your non disclosure was deliberate, at worst allowing them to void your policy. (Having a cancelled policy on your record would in turn have to be disclosed to future insurers for ever, and most would not want you!!)

If they void your policy, that would mean they reject any claim from you, and although any valid claim from a third party would be paid, they would then pursue you to reimburse them.

sarahg1969

opinions4u wrote: »

I really hope they do ask to see your licence.

Insurance fraudsters like you should go to prison. You're lucky. In the unlikely event you do get prosecuted you'll probably be punished with a small fine.

Why should others have to pay more for their insurance because you tell lies to get a cheaper premium?

Oh, welcome to MSE.

Who is he going to get prosecuted by? He's just worried that the insurers will void his policy once they get details of his licence.

Christopher7

Back to the OP's post.

You were right to insist on BMW dealer to fix your car, as it assures the vehicle will be repaired correctly to a safe standard and use genuine (OEM) parts. People entrust that insurers will repair the cars correctly using correct parts, they are so wrong, insurers only care about the cost, and will cut corners anyway they can. Most scarily at the minute is they have introduced a fixed price repair with their approved networks, so regardless what it actually costs to repair your car, the garage will only receive the fixed fee. As you can imagine this encourages the garage to make savings and cut corners by possibly botching the repair.

In recent times insurers have added additional excesses where you insist on having the repair done at your garage. This is anti competitive, the only obligation of insurers is indemnify the cost, not control the supply chain. This practice needs to be tested in the courts to see if its legal.

On to the damage that the insurer is not willing to pay for. I would insist on a decision, its unprofessional of them to say they 'might not' pay for it. Either they will or they won't. If it goes against you, raise a complaint and take it to the FOS if need be. What does the BMW approved repairer say, they will know the vehicle far better than an insurance co motor engineer, if they agree its possible ask them to write a letter to back your cause, all this is evidence you can submit to the FOS.

Onto the storage costs, this is the insurers obligation undoubtedly, they know where the vehicle is and they should move it if it is indeed a total loss. It sounds to me that the insurers have not yet made the decision on the additional damage, if they include it, its a total loss, if they don't its repairable. Anyway this delay is entirely their responsibility and they should pay the storage costs in full.

In short you need to demand answers to these questions from your insurer.

1. Are you accepting all the damage was caused in the insured incident? If not why not?

2. Is the vehicle repairable or is it a total loss?

3. Do they accept responsibility for the storage costs? if not why not?

olly300

HANDBREAK wrote: »

Please help !! any ideas, any suggestions

OP as you seem to have the inability to hand this on your own do you have someone else who can help on your behalf i.e. a partner, trusted friend or trusted relative?

If you think "No" have you actually bothered to ask someone?

This issue can be sorted out with phone calls followed by strongly worded letters sent by recorded delivery to the people other posters have indicated.

Andystriker

sarahg1969 wrote: »

Who is he going to get prosecuted by?

He can get prosecuted by the Police.

He can be prosecuted for not having insurance, which is possible as he failed to disclose all the details to the insurance company and as such, they can, and more than likely will, cancel the policy.

Christopher7

Andystriker wrote: »

He can get prosecuted by the Police.

He can be prosecuted for not having insurance, which is possible as he failed to disclose all the details to the insurance company and as such, they can, and more than likely will, cancel the policy.

This is a bit OTT. We don't know the full circumstances, it could be that the points were accumulated after the purchase of insurance, so it could be an understandable mistake.

This non disclosure doesn't mean he is not insured, what will happen is the insurer will investigate and will usually decide that he will need to pay an additional premium.

Quentin

Christopher7 wrote: »

This non disclosure doesn't mean he is not insured, what will happen is the insurer will investigate and will usually decide that he will need to pay an additional premium.

That is the just the "best case" scenario.

Other scenarios mean a problem comes if the non disclosure is seen as deliberate, or if the points meant that they would never have offered cover in the first place (in which case they will reject the claim)!

Christopher7

Quentin wrote: »

That is the just the "best case" scenario.

Other scenarios mean a problem comes if the non disclosure is seen as deliberate, or if the points meant that they would never have offered cover in the first place (in which case they will reject the claim)!

I agree with you, but in your experience what percentage of claims were rejected for non disclosure and what percentage were sorted by the customer paying an additional premium.

Steve1981

it amazes me the amount of people who 'forget' motoring convictions. I spoke to a 20 year old once who forgot a DR conviction an IN10 and a TT99, so i stated back your trying to tell me that you dont remember going out without insurance, getting drunking, then driving, being stopped by the police refusing to give a sample, having your vehicle conviscated and getting a 24 month ban and then you dont remember driving and insuring a vehicle since then fraudulently?

you can forget where you put the car keys are if you let the dog out, but if you cant remember getting an SP30 i think you should hand your licence back in because it aint safe for you to be driving