Third party claiming 6 months after incident?

cutandshut

spacey2012 wrote: »

The post office may not have an insurance company, they may underwrite themselves.

The Post Office are, indeed, self insured. I made a better job of the one I hit. It was a complete write-off. No one hurt though.

Quentin

PieMistress wrote: »

Do we have the option to pay the amount ourselves or is it just worth the insurance paying it? We did caused a scratch but certainly not £600 worth

Most insurers will let you reimburse them their costs after the claim is concluded and thereby get your lost ncd reinstated.

Remember that you are responsible for paying all the third party costs when you are at fault not just the garage bill, but all their (reasonable) associated uninsured losses (eg vehicle hire whilst repairs are carried out) so any claim can turn out more expensive than you originally estimate.

anotherbaldrick

I think it would not be untoward to call for the other parties authenticated photo evidence of the damage. No point in assessing the vehicle as it stands now, in the last 6 months it will have collected all sorts of additional distress.