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Odd insurer behaviour
I will give the bare bones here to see if im barking up the right tree or could take a long time to type.
I was insured, and a claim came in a chap saying i hit his car, this was march 2013, after numerous calls to my insurers eventually a year later they say enough is enough, the chap has provided us with nothing, we are going to close the claim non fault and refund me the extra i paid on my policy. That was March 2014.
Last month i get a letter from a solicitor called Irwin Mitchells, they say i will soon be recieving some documents and to pass them to my insurers, i court summons comes through from the owner of the vehicle mentioned in the non fault allegation in 2013, addressed to me and im to attend court or give to my insurers, so i call them and they say there is nothing they can do except pay him out, why would you pay him out i say? Well thats all we can do, err but you settled it non fault so no no no dont pay anyone out, i then take a little advice and decide to email my insurers, and for the last month i have constantly emailed them and had no reply at all.
Today i get an email saying they have settled the claim !!!! Why would they do that??
That is the bare bones of it and to me it doesnt seem right at all !!
So where do i go from here, surely they cant do that?
Advice welcome, thanks.
I was insured, and a claim came in a chap saying i hit his car, this was march 2013, after numerous calls to my insurers eventually a year later they say enough is enough, the chap has provided us with nothing, we are going to close the claim non fault and refund me the extra i paid on my policy. That was March 2014.
Last month i get a letter from a solicitor called Irwin Mitchells, they say i will soon be recieving some documents and to pass them to my insurers, i court summons comes through from the owner of the vehicle mentioned in the non fault allegation in 2013, addressed to me and im to attend court or give to my insurers, so i call them and they say there is nothing they can do except pay him out, why would you pay him out i say? Well thats all we can do, err but you settled it non fault so no no no dont pay anyone out, i then take a little advice and decide to email my insurers, and for the last month i have constantly emailed them and had no reply at all.
Today i get an email saying they have settled the claim !!!! Why would they do that??
That is the bare bones of it and to me it doesnt seem right at all !!
So where do i go from here, surely they cant do that?
Advice welcome, thanks.
0
Comments
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Did you hit this guy's car?0
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It is much easier and cheaper for them to pay the claim, than to go to court, especially as they will simply get the money back from you through increased premiums.
Welcome to the real world
I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science
)0 -
dacouch no.
facade. really !!
OMG shocking, but seems to make sense, so how do i deal with it now?0 -
Can they do it?
Well, my policy document says "We can, in your name, take over, defend and settle a claim". I'd be surprised if yours doesn't say much the same.
So, yes.0 -
But i havent passed it them !!!
Once they said thats all they could do i have sent off defence forms myself to defned the claim myself.
Seems facades idea makes perfect sense but there has to be a way to defend it, surely?0 -
Were you not involved in any way with the other car?
Third parties have 6 years to make damage claims or 3 years to make injury claims.
So if you are unhappy because they now are changing this back to a fault claim against you then little you can do.
(But if you know nothing about the incident at all you need to pursue this with your insurer.)0 -
But i havent passed it them !!!
Once they said thats all they could do i have sent off defence forms myself to defned the claim myself.
Seems facades idea makes perfect sense but there has to be a way to defend it, surely?
Even if you don't involve them, if you defend it yourself a lose, your insurer will be the ones who have to pay (because they have very deep pockets).
If that happens, your insurers will ask you to pay them back, because by refusing to allow them the chance to defend, negotiate, or settle, (as you agreed to do when you bought the policy) you haver increased their final costs.We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth0 -
On the other hand, if you defend it yourself, and win, they won't thank you either.
In essence, anyone can claim that your car damaged theirs. If they have an "independent;)" witness, and you weren't televised driving the Pope around Rome in front of 50,000 people at the precise moment of the "accident" there is a fair chance that you will lose when the disputed claim goes to court, as the court will decide who is most likely telling the truth.
Seems unfair, but to your insurer it is just loss minimisation to pay out.
Your only recourse is a complaint to your insurer, and follow that up with a complaint through the insurance ombudsman if it goes nowhere.I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science)0 -
Now that your insurer has paid the claim there will be no court case.But i havent passed it them !!!
Once they said thats all they could do i have sent off defence forms myself to defned the claim myself.
Seems facades idea makes perfect sense but there has to be a way to defend it, surely?
Pass any further correspondence you get over this on to your insurer without answering.0 -
Why? Because it's cheaper to settle than to take it to court.
Right or wrong doesn't even come into it.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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