3rd party & insurance payout problems

riders77

DELETED USER wrote:

Have you actually contacted your insurance company? If you have fully comp insurance with legal cover they should take up the case for you. As long as you make it clear that it isn't your fault it shouldn't affect your NCD or anything like that.

Best not to deal with it yourself if your insurance company can do it for you.

Yes, we did contact our insurance company and all they can do is pay us what we are owed minus the voluntary excess of £400. This is not acceptable as we have already lost our car and we stand to lose £400 and our NCD, too.

OnanTheBarbarian wrote: »

The common problem with incidents involving say foreign HGV's in the UK is the delay in the driver reporting the incident and the claim form filtering all the way back to the insurer.

Insurers generally won't get off their backsides and do anything until they have had a claim form, the notion of calling their policyholder to say "we've had a third party allege you hit them on xxx date, what do you know about this?" seems an alien concept to them. Then they squeal when the credit hire invoice lands.....

We had a hire vehicle up until late January 17. I really hope the 5-month-long credit hire invoice has landed. In the mean time, should we continue to hold out and keep calling the accident management company frequently to get them to stay on the case? Should we try and contact the third party insurer directly? Can doing so adversely affect the ongoing claims process?

OnanTheBarbarian

So am I correct to say that you had a credit hire car for a few months and due to the third party messing about, the hire company has ceased hiring to you?

Your own vehicle is a write off and you have not had a settlement for it and you are now being encouraged to use your own fully comp cover?

Are you claiming injury compensation?

dacouch

InsideInsurance wrote: »

I would say they are as variable as they are here but thankfully I never had that many cases - disputes in liability seemed rarer and obv for PI cases our clients are at fault and so we arent trying to contact the TPI

When Aviva sent most of their claims service to India, they were really really really confused by foreign vehicle claims. This was made worse by Aviva having a foreign vehicle claim department at Norwich they informally called "Johnny Foreigner Claims". Quite a few times India put me on hold while they tried to find the extension number of a man called Johnny Foreigner...

riders77

OnanTheBarbarian wrote: »

So am I correct to say that you had a credit hire car for a few months and due to the third party messing about, the hire company has ceased hiring to you?

Your own vehicle is a write off and you have not had a settlement for it and you are now being encouraged to use your own fully comp cover?

Yes.

OnanTheBarbarian wrote: »

Are you claiming injury compensation?

No, as I have no proof of the pain I experienced a couple days after the accident. I never went to the GP.

InsideInsurance

dacouch wrote: »

When Aviva sent most of their claims service to India, they were really really really confused by foreign vehicle claims. This was made worse by Aviva having a foreign vehicle claim department at Norwich they informally called "Johnny Foreigner Claims". Quite a few times India put me on hold while they tried to find the extension number of a man called Johnny Foreigner...

I think you could just stop at Aviva were really really confused.


Ohh, I could tell a thousand stories about how offshore teams have taken things literally that are either jokes or a turn of phrase etc. In fairness, most of them can speak a dozen languages and I struggle with just english so to joke at their miss understanding something is a little unfair... but they have been funny.

OnanTheBarbarian

As there is no guarantee the third party will get off their !!!! soon, you may need to use your fully comp cover.

How are you getting around in the meantime with no hire car? Presumably you are not able to use your written off vehicle?

The trouble with you "managing" without the credit hire car is that it essentially gives the opponent insurer an argument that you did not need to hire a replacement car in the first place/ you have failed to mitigate your losses.

vaio

OnanTheBarbarian wrote: »

........The trouble with you "managing" without the credit hire car is that it essentially gives the opponent insurer an argument that you did not need to hire a replacement car in the first place/ you have failed to mitigate your losses.

Interesting point but I'm not sure the CH rules/duty to mitigate would stretch that far.

I and everybody else *could* manage without a car but it wouldn't be my normal life and living my normal life is surely what the CH rules/duty to mitigate is aimed at.

tasticz

riders77 wrote: »

Yes.



No, as I have no proof of the pain I experienced a couple days after the accident. I never went to the GP.

i dont think you need to go to GP... have you by any chance been to GP after the accident for different reason and you mentioned to them of your pain during any of your visits? if yes they should have already noted it on the system? do you have any proof you bought pain killers immediately after the accident?