Claim Help - Going It Alone

under_the_cosh

Hi All,

This is my first post so please be gentle

Does anybody know if there is such a thing as a template to submit a claim against another driver's insurance?

About 3 months ago somebody drove in to the back of my wife's car. It wasn't serious and she wasn't injured, but there was about £700 of damage. Originally the driver said he would like to pay for the repairs himself but has now gone quiet and doesn't return our calls. We told our insurance company at the time but as our excess is quite high we didn't try to claim through our insurance,

We know his insurance details (we got them from the MID website). There was also the hire of a car for a day whilst ours was in being repaired.

Can anybody point us towards a claim template (if one exists) or give us some guidance on how to go about this? We don't / didn't have legal cover and I want to make sure that we've done as much preparation as we can. My worry would be that his insurance company knows we are going solo with the claim and therefore could try to use that to their advantage. I did speak to a solicitor a little while ago but they didn't seem too interested and I'm not sure they could make enough money out of it.

Any help would be greatly appreciated.

Regards

Andy

Quentin

Going solo is not a problem.


Send a letter saying the date/time of incident, telling them you hold their insured responsible and list all your expenses (send copies of the receipts) and ask for reimbursement and take it from their reply.


Next time you are involved with a third party to blame, then claim directly to their insurer immediately and let them provide you a replacement car and pay for the repairs (at your choice of repairer) rather than go through this pay and claim routine.


(Your excess was presumably less than this claim, and although you would have had to pay it, you would then get it reimbursed by the third party insurer by sending them a similar letter!)