Was in a Car crash Accident today involving 4 cars?

Master_Blaster

bery_451 wrote: »

Who wont be interested?

Your insurance company. You will have to chase this one yourself.

bery_451

InsideInsurance wrote: »

You're not asking them to give you information about their policyholder and so there is no data protection issues.

Just because the policy is in her name doesnt mean he isnt a named driver on the policy. Assuming he is then everythings fine and the claim progresses.

If he isnt a named driver then things are going to be slower as Churchill will first want to ensure he doesnt have Driving Other Cars cover on any policy he personally holds with them or anyone else.

Assuming he isnt a named driver and doesnt have DOC cover then Churchill would still be the Road Traffic Act Insurer of the vehicle meaning they have an ultimate legal liability to settle any claim (and a right of recovery from their insured and/ or the driver). Some insurers take this obligation on easily/ quickly and other than possibly slowing the claim a little it makes no difference to "you". Others will insist you go the long route and get judgement against the driver first.

In the first instance call Churchill and advice you are the non-fault party in an accident with one of their policyholders and you wish to claim directly from them. Assuming the claims registered it'll all be good from there. If the claim hasnt been registered they may take the details over the phone from you or may insist you put them in writing to them.

How do I get judgement?


Yeah I assume he doesn't have DOC cover or insurance in his name because if he did had these then why did he drove off before the police turning up? He probably does not even have a driving license.

Master_Blaster

bery_451 wrote: »

How do I get judgement?


Yeah I assume he doesn't have DOC cover or insurance in his name because if he did had these then why did he drove off before the police turning up? He probably does not even have a driving license.

there was no reason for him to wait for the police.

bery_451

Master_Blaster wrote: »

Your insurance company. You will have to chase this one yourself.

They wont help at all even though it wasn't my fault. Cant my insurance company pay up and recover the costs from the other insurer?

bery_451

Master_Blaster wrote: »

there was no reason for him to wait for the police.

So that gives him the right to drive off without giving me his full name, address details etc.? So you saying he hasn't committed any offence?

geri1965_2

bery_451 wrote: »

They wont help at all even though it wasn't my fault. Cant my insurance company pay up and recover the costs from the other insurer?

No, because you don't have comprehensive insurance. Your insurance only covers for you for third party (claims against you) fire and theft.

This is why it was cheaper.

InsideInsurance

bery_451 wrote: »

How do I get judgement?


Yeah I assume he doesn't have DOC cover or insurance in his name because if he did had these then why did he drove off before the police turning up? He probably does not even have a driving license.

You go to court and sue him for your losses but you are really getting ahead of yourself and really need to speak to Churchill first. There are all sorts of reasons for not wanting to wait around to speak to the fuzz and you dont want to be reading too much into things

facade

If you payed extra for the "uninsured losses/legal cover" then try contacting them, especially if you are now suffering from whiplash, as they are Ambulance Chasers who just love this sort of case.

Be careful of rashly accepting the hired Ferrari, as you will be signing to say that you will foot the hire car bill if the third party find a way not to pay up.

bery_451

What about involving a no win no fee accident management company that does all the work for me? I don't think I have the legal expertise and the time to do all the work myself.

AdrianC

TPFT insurance doesn't allow YOU to claim for YOUR damage from YOUR insurance. That's the difference to fully comp.

So you have to go direct to their insurer - and, yes, ring 'em and say "Ms X of 41 Y St is your policy holder for Toyota Celica AB51CDE, which hit my car. Mr Z was the driver and admitted liability at the scene." They'll take it from there.

The fun will start if they deny liability to their insurer...

If there's any doubt about liability, then involving an AMC stands the chance of landing you with a VERY large car hire bill. If there's no doubt, then an AMC don't add anything over going direct to their insurer.