insurers dont want to admit or deny liability in accident

kurjam

Ok, last week i was sitting in a queue of traffic, as the car in front of me was indicating to go into the right hand lane but i couldnt get past him....(there was a big gap in front of me but couldnt go forward as cars back end was over in my lane
the lights changed to green, so i let my hand brake off, but some large lorry saw the big gap, came down the left hand lane and into my lane at the same time hitting my car !! (he was not indicating)... when the accident happened he said sorry but i thought you was going to pull into the right hand lane (i was not indicating at all)

i am going to need new bumper, door, wheel, wing mirror and wing.

now my insurance company have rang me today saying that the insurers have set up the claim but are still not accepting or denying it was there fault.....
now my insurers are saying if i hit him my front light cluster would have been damaged but it is not damaged the damage to bumper is on the side near the wing ...

the insurers have told me i can wait to see what the companies insurance do or cancel it and use my excess and claim on my own insurance.....

as anyone been in a simalar situation ?? should i claim on my insurance or just wait ?? worried about rising insuance quote next year if i claim !!

thing is until they accept my insurers cant offer me a replacement car which means i cant work, (i work in the community), would the insurers be holding out to see if i will give in...

what happens if they do deny it, will an assessor then have to look at the claim ??

thank you for any help !!

forgotmyname

Depends on their company, Some will avoid paying out more than others.

If you need a replacement car it maybe best to go through your insurer and let them sort it. You may have to keep pushing for them to admit it was the other parties fault though.

Is your car driveable? Wont your insurance arrange a curtesy car?

I dont oay extra for one, But i was told if my car needed repairing then i would automatically get one.
If my car was a complete writeoff though i wouldnt.

bengalknights

Get a accident claims company to deal with it the other party will soon want to deal with you direct and sort it quickly

dacouch

bengalknights wrote: »

Get a accident claims company to deal with it the other party will soon want to deal with you direct and sort it quickly

They already are, hence why they won't repair the car until the other party admits fault

thenudeone

Ring the third party directly and tell them you're going to a credit hire firm tomorrow unless they sort it out.

kurjam

ok heard from the haulage company today they wont admit liability but will accpet part liability 50/50...... the claims people working for my insurers say they wont now offer a car or repair mine as it may be to costly as they might not get the money back from the haulage company insurers....
rang my insurer they now passed it to another claims / repair company see if they can help....

if it comes back 50/50 again, what can i do ??
is it worth me emailing the company as i have there details if i do what exactaly do i say to them ??

Quentin

If it ends up 50/50, then you will get your car repaired or replaced by way of you claiming off your policy.

You will have to pay your excess, but will be able to reclaim 50% of this back (along with 50% of any other uninsured losses) from the third party insurer.

kurjam

does this also mean i will have to pay 50% of his damage to lorry (now claiming lorry damaged), when it actually wasnt
just want my car fixed but it wasnt my fault, lorry driver clearly telling lies...

can i ask the insurance to look at photos of my car damage to assess what they think might have happened..

can i request a copy of the other drivers statement ?

could i use legal cover i have to get solicitors involved, i think it a big company that just think im going to accept what they say. . .