Car Insurance - Third Party at Fault But Ignoring Allegations

Strider590

jimmylad007 wrote: »

It turns out that the other driver never reported the accident to his insurer, and he has ignored all correspondence, so he has avoided admitting liability.

This is most likely BS, your or their insurance company is just dragging their heels, they like to do this because when your next renewal comes up you'll find your NCB has been frozen, your premium will more than double and you'll find it near impossible to join a different insurer with an outstanding claim on record.

arcon5

You got his name and address?
I'd be sending him a letter before action personally. If he is pursued for money (even if it means submitting a claim) he will soon chirp up and cooperate with his insurer

jimmylad007

Guest101 wrote: »

I suspect you both have the same insurer.

Nope. I'm with 1st Central, he's with Ingenie.

Norman_Castle

jimmylad007 wrote: »

Nope. I'm with 1st Central, he's with Ingenie.

Your insurer should recover their losses from his insurer. Why aren't they?

I had similar about 20 years ago. The other driver decided to ignore all correspondence. After about 9 months his insurer settled the claim.

EdGasket

jimmylad007 wrote: »

It turns out that the other driver never reported the accident to his insurer, and he has ignored all correspondence, so he has avoided admitting liability.

^^This is absolutely correct. All the other side has to do is absolutely nothing, not report the incident, and they can 'apparently' get away with it. It has happened to me twice! The other party's insurance won't pay out if they don't report it.

The only solution is to personally take the third party to court (small claims); you will win easily if you can show that the third party has not bothered to inform their insurance. In my case, one claim went to a preliminary hearing and the other side caved in when I produced letters from the insurance and AA legal services to the effect that the TP had not reported the incident. The other case, the TP decided to report it after my "letter before court action" where I made it clear I would be claiming all costs and expenses from her directly as she had not reported the accident to her insurer.

It is certainly NOT 'BS' as a previous poster suggested, that 'non-reporting a claim means the insurance route is thwarted'; sadly it is the case.