Car accident -both insured with the same company?

Rjstr291

Hi,

Does anyone know how it works when you have an accident and you are both insured by the same car insurers?

My husband was putting our son in his car seat when I small van clipped the car door with his wing mirror. He lost his mirror but we can't close the car door!! It happened in on a quiet cul de sac.

We have put in a claim but the car is still sat on our drive with an open door and we are carless!

We don't feel like anything is being done!

Apparently we can't have a courtesy car because we are under the same insurers?!

I feel like we might lose our car over this (it's not worth very much money compared to the cost of repairing our door) without getting anything. I believe it wasn't our fault? Am I right? I don't want to come out of this empty handed without a car! Makes me think why did I bother paying all that car insurance?

Any help or advice would be great

InsideInsurance

Insurers have to deal with "blue on blue" type claims in the same way as they'd deal with things as if the TP was insured by another company. Assuming liability isnt straight forward then there will be two claims handlers, they create a file each, the handlers cannot freely look at each others files etc.

The only real difference is that they wont sell your details to credit hire companies or ambulance chasers, for obvious reasons, but as they normally do this for their benefit not yours and its not part of their contract with you that they'll do this then its not an issue.

You also need to treat them as two separate insurers. Speaking to the chap who is dealing with your side will give you answers as per the terms of your policy. Speaking to the chap dealing with the otherside will talk about your rights as a third party which is independent of your insurance terms.

Do you know if liability has been resolved? If it has, then speak to them and ask that they arrange a hire car whilst your vehicle is undrivable due to the door issue. If the liability issue is still open then you may need to approach a credit hire company yourself if you cannot afford to pay for hire and reclaim it afterwards