We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
My insurance company will not represent me
Sheri_Winter_Berry
Posts: 20 Forumite
in Motoring
Good morning,
I was involved in an accident, at the scene the other party said sorry and told me to get my car repaired and he would pay. 3 weeks later his insurance contacted me as the other party blamed me. I had two witnesses and it was not my fault. I advised my insurance company who took the case on. Within 2 weeks the other party advised they would be paying for my repairs in full Without Prejudice to Liability. I was delighted BUT now my insurance company state they can not represent me as I'm 3rd party fire and theft. They told me to contact the insurance company and get the money out of them myself. I'm not having much luck! Please can you advise, should my insurance company at least support me through to actually getting my car repaired?Many thank as always Sheri
I was involved in an accident, at the scene the other party said sorry and told me to get my car repaired and he would pay. 3 weeks later his insurance contacted me as the other party blamed me. I had two witnesses and it was not my fault. I advised my insurance company who took the case on. Within 2 weeks the other party advised they would be paying for my repairs in full Without Prejudice to Liability. I was delighted BUT now my insurance company state they can not represent me as I'm 3rd party fire and theft. They told me to contact the insurance company and get the money out of them myself. I'm not having much luck! Please can you advise, should my insurance company at least support me through to actually getting my car repaired?Many thank as always Sheri
0
Comments
-
You have been advised correctly. Your policy doesn't cover you for damage to your own car. Your insurer has no responsibility to you. (Unless you have any "legal cover" with your policy to use.)
You need to pursue the third party directly. Contact the third party insurer and ask if they hgave an innocent third party claims department to help you.
If not, then you either instruct a solicitor/claims management company/use any uninsured loss recovery "legal cover" if you have it0 -
No. That's the difference between TPFT and Fully Comprehensive insurance.0
-
You didn't take out comprehensive insurance in order to save money. Now, you're realising why comprehensive insurance costs more.
Nothing much you can do... Next time, go fully comp.Hello There. :beer:0 -
Yes there is plenty you can do! See #2!
Nothing much you can do... Next time, go fully comp.
(And there is no such thing as "fully" comp)
In any case you are best to only use your own comprehensive insurance when you are to blame or there is no third party to blame (eg car stolen etc)
Claiming direct off the third party is normally straightforward when liability is not in dispute0 -
You didn't take out comprehensive insurance in order to save money. Now, you're realising why comprehensive insurance costs more.
Nothing much you can do... Next time, go fully comp.
I am not sure this is always the case. TPFT is often more expensive than comp. I believe this is because Insurance companies deem TPFT users to be higher risk.0 -
Not much help pointing out the obvious! Thanks very much to all the people who advised me.0
-
It's a public forum, he's entitled to share his opinion (within reason), whether you agree with it or not I'm afraid.Sheri_Winter_Berry wrote: »Whats matter with you? If you cant help or say something positive, please keep quiet
0 -
Yes there is plenty you can do! See #2!
(And there is no such thing as "fully" comp)
In any case you are best to only use your own comprehensive insurance when you are to blame or there is no third party to blame (eg car stolen etc)
Claiming direct off the third party is normally straightforward when liability is not in dispute
Unlikely to have legal cover I would expect, but IF so, a legitimate option.
I see no forthright reason why any 3rd party insurer would go out of their way to help a claimant take their money. It would go 50/50 if the 3rd party denies, which the insurer would say they have EVEN IF they owned up to the problem most likely.. So fine, OP's insurer (oops) pays for OP damage if comprehensive, 3rd party pays their own claim.
Maybe I'm cynical, but I basically see TPFT as a legal obligation to drive being satisfied, and hold out no hope that OP, whether at fault or not, would get any kind of positive outcome from this.
And this isn't negativity, it's realism.
By all means try contacting their insurance, but maybe chalk this up to experience and may for comprehensive cover in future ...
I'm very happy to be wrong and not trying to put you off exploring options and trying, so any advice on what you can do is of course worth pursuing, but lets dash in some realism...Hello There. :beer:0 -
You are wrong!Unlikely to have legal cover I would expect, but IF so, a legitimate option.
I see no forthright reason why any 3rd party insurer would go out of their way to help a claimant take their money. It would go 50/50 if the 3rd party denies, which the insurer would say they have EVEN IF they owned up to the problem most likely.. So fine, OP's insurer (oops) pays for OP damage if comprehensive, 3rd party pays their own claim.
Maybe I'm cynical, but I basically see TPFT as a legal obligation to drive being satisfied, and hold out no hope that OP, whether at fault or not, would get any kind of positive outcome from this.
And this isn't negativity, it's realism.
By all means try contacting their insurance, but maybe chalk this up to experience and may for comprehensive cover in future ...
I'm very happy to be wrong and not trying to put you off exploring options and trying, so any advice on what you can do is of course worth pursuing, but lets dash in some realism...
Most insurers nowadays have innocent third party claims departments where they will bend over backwards to assist innocent victims of their insured policyholders.
That is because these days the alternative is having to deal with very expensive claim handler/credit hire/accident management companies.
Often nowadays you see posts here from policyholders being encouraged by their own insurer to use these companies to claim off the third party rather than do the repairs themselves when liability is clear cut.
It isn't in the "guilty party" insurers interest to push victims into the hands of the AMCs!
That is the reality of things - and not how you see them.0 -
That's reassuring actually.. Things have come on a little ways though.
Weird that an industry caused problem (Passing our details onto AMCs when we tell our insurers of a claim, Hello Admiral... ) has now led to an industry in itself of attempting to avoid that very situation occurring...
Ironic I guess.
But anything to cut own on the use of these charlatansHello There. :beer:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 348.6K Banking & Borrowing
- 252.2K Reduce Debt & Boost Income
- 452.5K Spending & Discounts
- 241.3K Work, Benefits & Business
- 617.8K Mortgages, Homes & Bills
- 175.8K Life & Family
- 254.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards