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Car insurance claim help
georgiasdragons
Posts: 656 Forumite
Hi am I in the right board?
Someone reversed into me I was stationary she offered to pay for damage with cash I refused I wanted it done properly and didn't trust them.
She eventually went through her insurance but I believe she's told them a lie. Well this is my assumption as The claim has gone for validation and I'm being advised to go through my own insurance which means I have to pay excess etc.
Why when she admitted liability are they not repairing my car I have never known this before I am not at fault yet they won't tell me why the case is being held or locked and not released by validation
Has anyone experienced this before ? And surely they are obliged to give me more info.
Someone reversed into me I was stationary she offered to pay for damage with cash I refused I wanted it done properly and didn't trust them.
She eventually went through her insurance but I believe she's told them a lie. Well this is my assumption as The claim has gone for validation and I'm being advised to go through my own insurance which means I have to pay excess etc.
Why when she admitted liability are they not repairing my car I have never known this before I am not at fault yet they won't tell me why the case is being held or locked and not released by validation
Has anyone experienced this before ? And surely they are obliged to give me more info.
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Comments
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georgiasdragons wrote: »Hi am I in the right board?
Someone reversed into me I was stationary she offered to pay for damage with cash I refused I wanted it done properly and didn't trust them.
She eventually went through her insurance but I believe she's told them a lie. Well this is my assumption as The claim has gone for validation and I'm being advised to go through my own insurance which means I have to pay excess etc.
Why when she admitted liability are they not repairing my car I have never known this before I am not at fault yet they won't tell me why the case is being held or locked and not released by validation
Has anyone experienced this before ? And surely they are obliged to give me more info.
This needs to be on the general insurance forum for better advice.
You can go through your own insurer and claim back the excess from them depending on how urgently you need your car - if it is not drivable then a hire car can be claimed back from them too but I would check the status with the insurer as you don't want to end up with hire company bill.
She may be trying to get it 50/50 by claiming you were moving or some such story once she has had a think about it and chat with people down at the pub - insurers always say to never admit liability at the scene.
Do note if it is minor damage your own insurance will go up regardless of it being a non-fault claim so a cash settlement may have been cheaper long term.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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