Major insurance stress

Quentin

FutureGirl wrote: »

.....You need to acknowledge the papers and potentially send a defence by a specified date. If you don't ........

Ignore this scaremongering"advice" OP

You would breach your policy conditions if you follow it.

Leave dealing with the Court entirely with your insurer. (Were you to submit your own defence you could jeopardise the case, resulting in your insurer not paying any court order resulting from your interference)

If this does end up in court then your insurer will be picking up all the costs as long as you comply with the policy conditions which will include you passing all correspondence unanswered to them to deal with.

SimonSays

FutureGirl wrote: »

You NEED to pass them on to your insurers.

The third party seems to be coming to YOU for the money. You need to acknowledge the papers and potentially send a defence by a specified date. If you don't then the court would likely award the third party whatever they want, and will be ordering you to pay.

So, please, send it on to your insurers.

No this is wrong


DO NOT ANSWER THE COURT PAPERS IN ANYWAY, THESE NEED TO BE PASSED TO YOUR INSURER UNANSWERED!

If you answer then the insurer may not entertain the claim

EdGasket

SimonSays wrote: »

No this is wrong


DO NOT ANSWER THE COURT PAPERS IN ANYWAY, THESE NEED TO BE PASSED TO YOUR INSURER UNANSWERED!

If you answer then the insurer may not entertain the claim

But if your insurer doesn't deal with it by the deadline or says they never received them or whatever then it's you that gets the court judgement aganist you. I would be sending it special recorded to your insurers and make recorded phone calls every day to make sure they are dealing with it.

SimonSays

EdGasket wrote: »

But if your insurer doesn't deal with it by the deadline or says they never received them or whatever then it's you that gets the court judgement aganist you. I would be sending it special recorded to your insurers and make recorded phone calls every day to make sure they are dealing with it.

This is why you send it to your insurer at the time recorded/special delivery and confirm receipt.

Regardless you gave your insurer subrigation rights to act in your name for payouts and such.

The advice given by insurers is clear "SEND ALL DOCUMENTS TO YOUR INSURER UNANSWERED"

Quentin

EdGasket wrote: »

But if your insurer doesn't deal with it by the deadline or says they never received them or whatever then it's you that gets the court judgement aganist you. I would be sending it special recorded to your insurers and make recorded phone calls every day to make sure they are dealing with it.

Ringing them every day will just cause animosity and is unnecessary. (Though a good idea to get confirmation from them they have received the docs and are acting on them)


As long as you do nothing outside your policy conditions, then should your insurer manage to miss a deadline etc to your disadvantage then they will bear all the costs associated!

ylb

I've only just logged in after a while - have you got this sorted? I sent all court papers unanswered to my insurer by recorded delivery and checked they had received them. Speak to your insurer - mine is sorted now, but unfortunately the way I got mine sorted was in response to a complaint I had sent to the company. You have the evidence letter, so they must deal with it on your behalf .

benbenandme

I hope so - I sent it all to them (kept copies) and emailed it too. They replied to say they had received it and that they will pay it if necessary. They said the claim had been settled but the person was now also claiming the cost of a hire car which my insurers weren't prepared to pay for.