Car Accident - Small Claims Court

theonlywayisup

needaname15 wrote: »

Can you please elaborate? I specifically asked the insurer and solicitor what would my losses be if I were to lose, and they both confirmed nothing besides my excess.

Also, how can I assess my losses when a court date is scheduled?

People on the whole are under a huge misconception that small claims means no losses. It doesn't.

https://www.citizensadvice.org.uk/law-and-courts/legal-system/taking-legal-action/small-claims/going-to-court/after-the-court-hearing/

Have a read and google - what if I lose a small claims case. Put that into perspective with your type of case....

needaname15

theonlywayisup wrote: »

People on the whole are under a huge misconception that small claims means no losses. It doesn't.

https://www.citizensadvice.org.uk/law-and-courts/legal-system/taking-legal-action/small-claims/going-to-court/after-the-court-hearing/

Have a read and google - what if I lose a small claims case. Put that into perspective with your type of case....

Is that a CCJ?

[Deleted User]

needaname15 wrote: »

Is that a CCJ?

No it's not.

Google "County Court Judgement" for details of what that pertains to.

Do you actually have a consumer rights issue? If not, perhaps re-post your thread on the general insurance board?
http://forums.moneysavingexpert.com/forumdisplay.php?f=21

sulphate

I think you may have to accept 50/50.

theonlywayisup

needaname15 wrote: »

Is that a CCJ?

No.

Google it at least. Speak to your legal team at best. This will not be free.

needaname15

theonlywayisup wrote: »

No.

Google it at least. Speak to your legal team at best. This will not be free.

They assured me all costs would be covered by my insurer so I will call them first thing tomorrow.

theonlywayisup

needaname15 wrote: »

They assured me all costs would be covered by my insurer so I will call them first thing tomorrow.

Specifically ask them what happens if [as is likely given what you've offered here] you lose?

needaname15

theonlywayisup wrote: »

Specifically ask them what happens if [as is likely given what you've offered here] you lose?

They said I would lose my £250 excess and the claim would go as a fault against my insurance record.

All costs would be covered under legal cover on car insurance.

Have I been lied to or something?

[Deleted User]

needaname15 wrote: »

They said I would lose my £250 excess and the claim would go as a fault against my insurance record.

So your insurance premium will increase accordingly.

Have you really been "fighting" this for two years?

needaname15

Moneyineptitude wrote: »

So your insurance premium will increase accordingly.

Have you really been "fighting" this for two years?

Yes it would, although it has been down as a fault for the past two years anyway.

I understand there would be costs in that sense, lost excess and premiums etc.