Road accident - council fault

InsideInsurance

Ignore the word cover note - they will simply want to see proof its insured which would normally come in the form of a certificate of insurance but can be other forms

What does section 1b state on your new cert?

peeppeep94

InsideInsurance wrote: »

Ignore the word cover note - they will simply want to see proof its insured which would normally come in the form of a certificate of insurance but can be other forms

What does section 1b state on your new cert?

Any motor car which is loaned or hired to the Policyholder under the Insurer's Motor Damage Claim
Service or by a member of the Motor Trade while the vehicle specified above is in the custody of the

Motor Trader for service, repair or MOT.

InsideInsurance

Job done then

peeppeep94

InsideInsurance wrote: »

Job done then

i hope so but i've still not had a call back

rs65

InsideInsurance wrote: »

Job done then

The cert only evidences TP cover though, doesn't it?

InsideInsurance

It would depend on the wording of the rest of the certificate to be honest

rs65

InsideInsurance wrote: »

It would depend on the wording of the rest of the certificate to be honest

I thought certificates only satisfied the RTA - does yours specify comp, TP etc...?.

peeppeep94

InsideInsurance wrote: »

It would depend on the wording of the rest of the certificate to be honest

what do i need to look for?

Buzby

ChrisBlue is spot on in his appraisal - how did you surmise the hydraulic fluid came from a council vehicle? It it was guilt by association (in that it passed the point of the patch when the cars behind went into it) this will not be enough to apportion blame.

It would require a genuine issue of faulty maintenance of said vehicle to even get on the starting grid for this, which additionally requires the drivers to be aware of the road conditions - as a biker, always watch for diesel - I have to. I cannot assume that all roads have an adequate surface. Car drivers would be expected to take avoiding action - and be travelling at a speed that would allow this to happen.

It may end up a no-blame claim, but still require the insurer to settle their own clent's costs (impacting on the NCD). Courtesy cars are not a right, and have been largely seen for the scams they introduced. It is now more usual for the repairer to provide a loaner as part of the service to the customer, this keeps the costs down all round.

As the council immediately took action following the report, they have acted responsibly. The issue will hinge on whether they agree the leak was theirs, and it is at this point it may all fall apart.