No fault Claim Insurance small claims ? Excess more than Value

Quentin

davidious wrote: »

yeah I would get the excess back but it means paying 750 upfront and unlikely but I might lose.

Service Insurance Co Ltd. is the Insurance company.

If you have got legal cover then contact them

Legal cover is really just uninsured loss recovery. Your loss reported here is uninsured

Why do you now say you " might lose "?

dacouch

Have you tried these

0500 511001 01273 315997

Have you also tried the telephone number for them on their MID return which is normally the direct number for innocent third parties?

http://www.askmid.com/askmidenquiry.aspx costs £4

There will also be a telephone number for one of their senior members of staff (Typically the person in charge of handling official complaints) on the FCA register http://www.fca.org.uk/register (The register is currently down for maintenance)

(Note there is also a broker called Service

OnanTheBarbarian

Quentin wrote: »

No. You are claiming against the driver/owner of the car.

You can sue the insurer directly under EC Regs

keith1950

You sound unsure whether you would win so unless you have any legal cover with your insurance is it worth risking more money on court costs for the sake of £250 ?

By informing your insurer you have already ensured that your insurance will go up whether you are at fault or not. You are now perceived to be a higher risk.

Have you made it clear to your insurer that you don't want them to repair the vehicle whatever the outcome?

davidious

I already told them I don't want them to repair the vehicle.

If I can claim off the Insurance company under small claims then I would like to do that. the cost for this is not much. While I think I would win over this. I can't justify risking 750 but the cost of the Small claims I can.

someones door was smashed into my car and created a massive dent.
There was witness who saw this was at a ferry Port.

Quentin

You misunderstand the situation.


You say you have legal cover. This is to be used to get back any uninsured losses you have (ie costs not covered by your policy)


This repair bill of £250 is not covered by your policy.


So use your legal cover to pursue the third party for this at no cost to you (win or lose)!

Retrogamer

I was told insurance companies don't pay out unless the driver can be identified.

Likewise, if you were going to pursue this via the small claims court you would need to be able to provide details of the driver.

I'm guessing they didn't stop at the scene?

OnanTheBarbarian

You seem to also be confused as to the status with your excess (which I believe you are saying is £750)

A £750 excess means that for any claim less than this amount, your insurers are not interested as you have agreed to be responsible for the first £750 of any claim you make for your own damage.

As £250 is less than £750, this is the amount of your vehicle repair claim and you do not have to stump up £750.

As to what you do next, can you please answer these questions so we can advise you what you can do

1-Do you have legal cover with your car insurance - Yes/No?
2- Can you identify the responsible vehicle reg number?
3- Can you identify the name of the responsible driver?
4- Do you have any contact details for the responsible driver such as phone number/ address etc?
5- Do you have the contact details for the witness?

Quentin

Retrogamer wrote: »

I was told insurance companies don't pay out unless the driver can be identified.....

Who by?


Identifying the vehicle is enough.

Retrogamer

Quentin wrote: »

Who by?


Identifying the vehicle is enough.

Someone on Pistonheads who works in the insurance industry.

You claim from who ever is negligent. If you can't identify who is negligent, then there is no claim.

I.e if someone steals your car, tears off, crashes into another car and runs off and can't be caught you can claim off your own insurance (if fully comp) for your own repairs but the third party whos car got hit can't unless the driver is caught and can be identified.