Insurers Management company questioning integrity

Dave_Mac

Hi

Not sure if i'm just being anal posting this question, however... I had a minor motoring accident with one of my neighbours (reversed into his stationary car) causing minor paintwork damage (if paintwork damage can be called minor). I filed a report with my broker's claims management co. who in turn, it would appear, communicated with my Insurer's management co. After months of to-ing & fro-ing, I received an e-mail from my broker last week with an attached document from my broker's claims management co., the contents of which I replicate below:-

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"We have received notification from your insurance company advising that this claim has been settled on the following basis:
Accidental Damage Payments: None
Third Party Payments: £ 724.50
No Claims Bonus: Prejudiced

Your No Claims Bonus may not be affected if you have bonus protection, subject to policy terms and conditions.

We would like to advise that just because your insurance company have closed their file, it does not mean that other companies who have been instructed to assist you have done the same.
We also need to point out that if there are any developments in the future then your insurance company reserve the right to amend these settlement details.
Yours sincerely
***** *******
Claims Department"

The last two paragraphs of the document, to my mind, appear to be questioning my integrity in making this claim & that there may be a black mark hanging over my future insurability, which is rather frightening.
Can someone please advise me on what action, if any, to take?

Regards

Dave

Ch1ckenlady

I wouldn't worry. It'll be a generic letter worded to cover any incident.

Your incident sounds like a simple case of a minor accident with no injuries. Some people may have had more involved accidents, sometimes with liability being in question. Whilst damage costs are known relatively quickly, uninsured losses can be quite involved and claims for injuries can be made up to several years (6?) after the incident.

So, in conclusion, your broker's claims management co are just covering their backs.

InsideInsurance

Not at all

Its a stock letter that everyone will receive, so to cover the meaning of the two paragraphs:

1) Only insurer closed their files - so if this was a split liability claim where you were going to be claiming part of your damage from the TP they are saying just because your insurers files are closed doesnt mean that the solicitor they instructed to assist you in recovering your monies from the other party have also closed their files

2) This is just a bog standard thing saying we've paid what we believe is due but if the TP comes back and says theres a problem or an injury etc we would have to reopen the files and deal with it. Obviously in your case the later is not going to happen but as I say, its a stock letter

rs65

Dave_Mac wrote: »

The last two paragraphs of the document, to my mind, appear to be questioning my integrity in making this claim & that there may be a black mark hanging over my future insurability, which is rather frightening.

I see nothing that questions your integrity.

Nothing for you to do other than keep the letter as you will need to know the amount when getting future quotes.