Reclaim damages from TP Small Claims Help

missile

g2495382 wrote: »

Its something I have been trying to decide. Technically there is no liability dispute because my car was parked unattended and I allege they made contact. But legally I wonder if the TP insurer can chicken out of it because

1. I cannot name their driver.
2. My only proof that they made contact is a witness

TP have already tried to dismiss the witness as "not independent" (though I don't know them). I don't want to claim and find myself stuck with future insurance bills because there was not enough evidence to win the claim or they got out on a technicality.

There is a big difference in insurance quotes if you say you reported an incident vs saying your insurance footed a £1200 bill they could not claim back

1. I cannot name their driver. You have a witness who can identified the registration number to you. You don't need to identify who was driving.

2. My only proof that they made contact is a witness. That is all the "proof" you need.

TP have already tried to dismiss the witness as "not independent" (though I don't know them). That is irrelevant
There is a big difference in insurance quotes if you say you reported an incident vs saying your insurance footed a £1200 bill they could not claim back. Not as much as you might think. I don't know your previous claims record, but you could easily check any differential with two online quotes, i.e. with a fault and with a no fault claim.

I would suggest you forget DIY and ask your insurer to pursue your claim.

missile

missile wrote: »

1. I cannot name their driver. .

You have a witness who has identified the registration number to you. You don't need to identify who was driving.

2. My only proof that they made contact is a witness. That is all the "proof" you need.

TP have already tried to dismiss the witness as "not independent" (though I don't know them). That is irrelevant
There is a big difference in insurance quotes if you say you reported an incident vs saying your insurance footed a £1200 bill they could not claim back. Not as much as you might think. I don't know your previous claims record, but you could easily check any differential with two online quotes, i.e. with a fault and with a no fault claim.

I would suggest you forget DIY and ask your insurer to pursue your claim.