Was in a Car crash Accident today involving 4 cars?

DaveTheMus

It's amazing how the perfectly simple and straight forward process of phoning an insurance company is beyond some people...

Tilt

Hasn't the TP driver committed an offence anyway by not exchanging details? AFAIK it is an obligation on the driver's part to do this, not necessarily the owner of the vehicle.

As the driver hasn't correctly exchanged details, isn't the OP obliged to report the incident to the police within 24 hours? Or did the OP already make the police aware that he/she was not provided with the driver's details?

Tilt

bery_451 wrote: »

Update: The female policy holder has registered her claim with churchill this morning. She told them she admitted liability and she gave me her claim reference number. So i guess its sorted then?

How can she when she wasn't driving or even there? Maybe the OP should report this to the police to get these clowns off the road before they really cause another driver problems.

dacouch

arcon5 wrote: »

What ways are they then?

There are a few including if say the boyfriend was using the vehicle for a use not permitted by the policy eg if it only covered SD&P and he was driving to work.

Captaincodpiece

Tilt wrote: »

How can she when she wasn't driving or even there? Maybe the OP should report this to the police to get these clowns off the road before they really cause another driver problems.

I think they would be best to sort their claim first. The police report has already been completed.

Captaincodpiece

dacouch wrote: »

There are a few including if say the boyfriend was using the vehicle for a use not permitted by the policy eg if it only covered SD&P and he was driving to work.

Committing is usually covered on sdp.

Tilt

dacouch wrote: »

There are a few including if say the boyfriend was using the vehicle for a use not permitted by the policy eg if it only covered SD&P and he was driving to work.

This isn't the OP's problem. The TP's insurers have a legal obligation to deal with the OP's claim irrespective on whether the TP was complying with the terms of their own insurance policy.

Tilt

Captaincodpiece wrote: »

I think they would be best to sort their claim first. The police report has already been completed.

Yes but has the obligation been fully completed under the RTA of the drivers exchanging details?

Captaincodpiece

Tilt wrote: »

Yes but has the obligation been fully completed under the RTA of the drivers exchanging details?

What are you on about?

dacouch

Tilt wrote: »

This isn't the OP's problem. The TP's insurers have a legal obligation to deal with the OP's claim irrespective on whether the TP was complying with the terms of their own insurance policy.

Under certain circumstances they don't have any legal obligation to deal with a third parties claim.

The uninsured driving using the vehicle for a use not covered is one of them.

You can be sure an Insurer will not pay out a claim under their RTA obligations for an uninsured driver if they're not legally obliged. In such circumstances the claim would be passed to the MIB as an uninsured driver claim which would take a long time to receive payment