Advice regarding car accident.

annie12

DUTR wrote: »

They won't really, they are there to police and report to the cps via the sargeant.
I have seen post here when 3rd party's insurer try hard to defend the claim until a court date is arranged then they settle out of court.
(not saying that will happen in your case, but keep an open mind).

I think what you have said will happen!

Got a letter from the police to say the third party has been found "sufficiently responsible" and has to go on a drivers awareness course, if he doesn't he will be prosecuted.

Then I got a letter from my legal team to say "the third party insurers have confirmed they are unable to accept fault".

Nodding_Donkey

Insurers are always behind. Have you sent your insurers a copy of the letter from the police?

annie12

Nodding_Donkey wrote: »

Insurers are always behind. Have you sent your insurers a copy of the letter from the police?

I am in the process of sending them a copy.

Astronaughtwannabe

Your insurer will have (probably) applied for a copy of the police report. Some forces deal quickly, others take months to send them out.

What it will contain is basic details of the incident, usually inc. the officer's opinion on who was most likely at fault and also copies of witness statements.

If it's happened as you describe and your insurer supplies a copy to the third party (actually both insurers often split the costs of the report between them) then it seems likely that the third party insurers will accept liability. They won't want to be in it for uneccesary legal costs as well.


You're probably somewhere in the middle of that process at the moment so it's just a waiting game that, all being well, will soon be resolved favourable to you.

annie12

Just an update.....

The third party eventually admitted liability, that was about 6 weeks ago.

I got a letter from my insurance this morning to say they have been unable to recover their outlay and my uninsured losses.
It is therefore going to court. My insurance have stated that it is common for the third party to settle as late as 2 days before the court date.

Has anyone had experience of this?

Quentin

All this is often tactics.


As they have agreed liability they will now be arguing over how much your insurer is asking from them, (or how much your uninsured losses should be)


Often resolved prior to the hearing.

Nasqueron

I had an accident (car hit me on a bike) similar to yours as driver was at fault, he admitted liability to the police and insurer but since then aside from a letter from his insurer offering to pay for physio I haven't heard anything - out of pocket for repairs etc along with PI claim and so on - 3 months on - could be anything up to 12 months according to the solicitor

annie12

Quentin wrote: »

All this is often tactics.


As they have agreed liability they will now be arguing over how much your insurer is asking from them, (or how much your uninsured losses should be)


Often resolved prior to the earing.

Thanks, I hope so.