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liability dispute, no legal cover and excess
permy86
Posts: 2 Newbie
I was involved in accident and I think the other driver is liable whilst he says it is me. So currently that is under dispute and the insurance company are investigating the claim. I don't have legal cover so if it does come out as the party is liable will I still have to pay the excess?
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Comments
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Are you claiming for your damage etc?
Who are you insured with?Censorship Reigns Supreme in Troll City...0 -
yeah I've put in a claim saying it was the other driver's fault so the companies are going to assess who they think is at fault after checking the details as it happened at a roundabout and involved lanes. I'm insured with esure0
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Without witnesses it'll probably go 50/50
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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I was involved in accident and I think the other driver is liable whilst he says it is me. So currently that is under dispute and the insurance company are investigating the claim. I don't have legal cover so if it does come out as the party is liable will I still have to pay the excess?
Legal cover with a motor policy isn't for fighting liability.
Your insurer deals with the liability issue
When you claim off your own policy for damage to your own car you normally always pay your excess which isn't covered by your policy.
If the third party's held liable or partly liable you can then pursue the third party to reimburse you. (If this ends as split liability you get back your proportion - 50/50 would mean you will get half back)0
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