Car insurance - legal cover...

pixwix

I've never bothered with the legal costs cover on my motor insurance policies. Now I wish I had.

A few days ago I get a visit from the police. Some guy claimed his car had been hit and my car was 'seen driving away.' Along with a hundred other cars in a busy car park apparently. The guy claims £1000-worth of damage to his front end - with green paint on his car to prove it. His car is black. Police inspect my (green) car and admit there's no evidence at all to connect me - along with the observation there were at least a dozen green cars in the area at the time.

A while later the guy actually turns up at my door! Frankly, he strikes me as a bit of a loony - 'knows his rights' but won't listen to a word said to him. Demanded my insurance details - which I provided along with an assurance I had no connection with his claimed incident. But he's 'forgotten' to bring his own insurance details! Bloody cheek. I never do receive his. By now I'm beginning to suspect outright fraud.

I inform my insurance company they might receive a claim, which I don't even admit any connection to, let alone liability. They tell me to forget about it - the guy hasn't a leg to stand on.

This morning, I get a letter. Not from the other guy's insurance company, but from a firm of ambulance-chasing damage solicitors. Having apparently been blown away by both my insurers and his own, he's now trying to sue me for damages!

My own solicitor tells me it might be serious - even if he loses I could be well out of pocket unless I can successfully obtain costs.

We're never safe from the loonies are we?

dacouch

Gather as much evidence as possible eg report from the police officer or his name, rank and contact details and supply it to your Insurers to give them something to use to defend.

Quentin

Taking the add on "legal cover" wouldn't be any help.

It is really just "uninsured loss recovery" which you can use to get back any costs you incur in a claim where another party is to blame.

Your solicitor seems to have mislead you. If the third party pursues you to court, then your insurer will handle this, and will pay any costs involved. Win or lose you won't have to pay.

Though you will be responsible for paying your solicitor for his "advice" so far!

Put all this into your insurers hands to deal with now.

[Deleted User]

pixwix wrote: »

Demanded my insurance details - which I provided

Why :huh:









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