Claim against me after insurance claim?

gkhewitt

Hi folks.
Looking for a bit of advise/sanity restoration...

Accident back in June last year where I rear-ended someone at a roundabout. No damage to our car, very minor damage to other party (parking sensors popped out). All through insurance companies as it was a company leased car.

All apparently settled through insurance, repaired etc. Kept chasing to see where the case was and as far as I could tell (as of February this year) it was all done and dusted.

Today I have received a formal court claim against me in the post. It's for the value of their excess, incidental expenses, interest, court fees and solicitors fees. All in all about £400 at a time where wife has stopped work and baby #1 is due any day (two days overdue in fact).

The claim is being made by the employer not the individual (a government agency ironically).

My thoughts

• Why have they gone directly to court not through insurers?
• Why should I pay their interest when they're only just claiming now?
• Why should I pay their interest when they're only just claiming now?
• Are they actually able to claim this back from me?
• Should my insurance cover this?

I will talk to my insurers tomorrow when the lines reopen but wanted to get some other opinions...

Cheers

McKneff

Don't reply to it, just forward it to your insurers, that's what you pay them for.


Good luck

vaio

It's a method to gee up your insurer who is being tardy in paying.

You won't need to pay anything, your insurer will sort it out

Curry & sex are good methods for encouraging lazy babies to put in an appearance.

Best of luck with it to you and your wife

OnanTheBarbarian

vaio wrote: »

Curry & sex are good methods for encouraging lazy babies to put in an appearance.

Just like a County Court claim form is a good way of encouraging a lazy insurer to find their cheque book

Send the papers to your insurer without delay, call them up and verify the address and ref number so you post them to the correct address, send the papers recorded delivery and call them 2 days after posting to check they have them and insist that they actually do something with them, otherwise they will end up in the backlog and by the time they get round to actioning the papers, the other side will have requested default judgment against you.

gkhewitt

Thanks all - spoke to Admiral and they had received a similar demand they day before and they had already paid! Phew...

vaio

good, now you can concentrate on the baby

NiallB

vaio wrote: »

Curry & sex are good.

Best of luck with it to you and your wife

Edited to remove superfluous words