car accident not my fault. with my partner and 2 kids what do i do

mikey72

zzxxcc1122 wrote: »

no car hire is from the 3rd party insurance. the total loss for car is being dealt with my own insurer i asked they say it wont effect my NCD or my excess.

ive had my own insurer tesco call me about pesonal injury who pass my stuff to digby brown and the 3rd partys insurance has said they will call me later regarding personal injury.


what is best to do still go get my own lawyer for personal injury that gives cash back or just go wityh the 3rd partys insurance for everything.
#
my insurance said that i will get a quicker payout regarding total loss from them tha i would from 3rd prty who is admiral.

just dont know whoi to trust/listen too

That's an easy one. Trust no-one. Don't go direct yourself to the third party, they'll brush you off with a minimum offfer. Don't go with your insurer if they are charging 20%. You really need a decent, personally recomended solicitor, as it's not just a case of whiplash and a rubber stamp.

Quentin

You don't necessarily want a quick payout - the longer they take to pay you the write off value, the longer you can keep their hire car, and the more time you have to look for a new car.

As previously advised, deal with the third party direct over the car claim.

But don't deal direct with them over your injuries, but get your own legal adviser.

Digby Brown wanting 20% of your compensation should be enough to reject them (though it's your call).

MAybe talk to some of the cashback solicitors and see what they say regarding your case, and in particular how they will be paid (enquire if they "take" any of your compensation to pay their fees or commission to you if they offer cashback), and decide then.

But no need to hurry! (The insurers will push you to let them deal with everything, but resist!)

zzxxcc1122

thankyou so much quentin for all your help. although ive googled cashback lawyers and the only person who has allerted anyone to this is your self have you have ever used a cashback lawyer

Quentin

No, but if you search here you'll find a success story (a regular went with one, sorry, can't remember exact details)

missile

Report the incident to your insurers and follow their instructions.

If you have legal cover(?) they will provide a solicitor to act on your behalf. He may or may not be very good, but do not employ a.n.other until you have given them the chance. I was very surprised by how competent, helpful and sympathetic the lady solicitor appointed by my own insurer's was.

zzxxcc1122

sorry quesntin where would i search for a success story using cashback lawyer thanks so much

Quentin

missile wrote: »

Report the incident to your insurers and follow their instructions.

If you have legal cover(?) they will provide a solicitor to act on your behalf. He may or may not be very good, but do not employ a.n.other until you have given them the chance. I was very surprised by how competent, helpful and sympathetic the lady solicitor appointed by my own insurer's was.

If you had read the thread before posting you will see the OP has been offered a solicitor by his "helpful" insurer!

(Who wll take 20% of his compensation!!)

(And you don't need the "benefit" of "legal cover" to get your "helpful" insurer recommending you to a solicitor when a third party has accepted liability for injuring you!)

Quentin

zzxxcc1122 wrote: »

sorry quesntin where would i search for a success story using cashback lawyer thanks so much

In this forum.

Edit: I found it. The victim was Clive Woody:

https://forums.moneysavingexpert.com/discussion/comment/40315864#Comment_40315864

https://forums.moneysavingexpert.com/discussion/comment/42202024#Comment_42202024

missile

Quentin wrote: »

If you had read the thread before posting you will see the OP has been offered a solicitor by his "helpful" insurer!

(Who wll take 20% of his compensation!!)

(And you don't need the "benefit" of "legal cover" to get your "helpful" insurer recommending you to a solicitor when a third party has accepted liability for injuring you!)

I will admit I only skimmed through and missed OPs later post re Digby Brown. If OP had the benefit of legal cover he would not have been referred to an ambulance chaser.

No need for the sanctimonious insults.

Quentin

missile wrote: »

If OP had the benefit of legal cover he would not have been referred to an ambulance chaser....

Yes he would. That's how it works!! Your helpful lady solicitor will have paid for your lead from your insurer.

http://www.which.co.uk/news/2012/01/mps-release-damning-report-on-car-insurance-276612/

(How have I insulted you????)