Wall Knocked Over, Who Should Pay & How to do? Help Would be great

Cash-Strapped.T32

jumeriah64 wrote: »

. Any particular reason why that would be a better idea Quentin? Thanks for your support

Because as he says, the details are provided for free that way.
It's a way to ensure that people at the side of the road, in the event of a car accident have theability to identify the insurer of "the other" car.

jumeriah64

Cash-Strapped.T32 wrote: »

Because as he says, the details are provided for free that way.
It's a way to ensure that people at the side of the road, in the event of a car accident have theability to identify the insurer of "the other" car.

Memo to self ... to actually read what folks have taken the time to post! :-) .... apologies I missed that entirely. Off to borrow a smart phone. Many thanks for clarifying. Doh

jumeriah64

Given that I now know there are tools on-line to find the drivers insurance details, would it be most appropriate to contact the insurance company directly or write to the driver of the car first?

Obviously would like to approach things in the most correct manner to get the best result. Given that the person in question was not present to discuss directly with, I'm just wandering the best format to progress the matter.

Appreciate any steer on that, good some great support so far on this post. Thanks again

Zorillo

Contact the insurance company. You've no need to enter into correspondence with the driver at all.

jumeriah64

Zorillo wrote: »

Contact the insurance company. You've no need to enter into correspondence with the driver at all.

Ok is good advice, was just trying to do the honorable thing but you are right, it may just serve to confuse.

The strange thing here is that my own insurance company has never at any point suggested to pursue the drivers insurance company. It seems obvious now ... now I've got better advice from this thread.

I'm left wandering why they did not do that. Any advantage to them? I'd have thought they would have been overjoyed to offload it to another company.

And I should say, I'd never thought to either.

I will do exactly as you mention as we do have a wealth of data to support the claim.

Many thanks for clarifying my thinking.

DCFC79

Keep the thread updated with any news.
Would be useful to others in a similar situation.

jumeriah64

DCFC79 wrote: »

Keep the thread updated with any news.
Would be useful to others in a similar situation.

Yes will do. Is the second time the wall got demolished, first time I was too lazy to do anything and just had it fixed. Not cheap.

This time was so blatant that I overcame my laziness but was somewhat ignorant as to the insurance process having never made a claim for house or car ... not to say I've never had a prang but has always been a company car in the past.

So it came as a bit of a revelation that we can claim on the other parties car insurance policy.

Was also strange our company never suggested that. And indeed I've emailed them yesterday and asked if going direct to the drivers insurance company was a good idea.....they did say "Unfortunately we are unable to provide any advice regarding how you should pursue this with the third party but can help you with the claim you have registered with us." Odd

I will definitely do this and yes indeed will keep the thread updated as to progress.

macman

You need to inform your insurers that you have reported it to the 3rd party insurer and that the report to them was for info only.
They refer to a 'claim' made by you, which makes it sound as if they are pursuing it for you.

jumeriah64

macman wrote: »

You need to inform your insurers that you have reported it to the 3rd party insurer and that the report to them was for info only.
They refer to a 'claim' made by you, which makes it sound as if they are pursuing it for you.

Yes this is pretty much true. the opening conversation with them was that if we discussed a claim, are we obliged to pursue it? Strange question you might think but asked as a friend I know rang his company to assess if it was worth to pursue a home claim for something and the fact that he had raised the possibility (even though he never followed it up) was treated as a claim.

He told me this and so I was quite clear as a query, could I go ahead with them without incurring that same black mark as it were, and they were quite clear that we could.

So we have started the claim with our own insurers, that is true. But I've also mentioned to them this week about the option to pursue it directly with the driver of the vehicle. That's when they made the non-committal statement mentioned earlier.

Is it the case that having started a claim with my own insurance company that it might be a problem to redirect that to insurance of the people actually causing the damage?

Quentin

jumeriah64 wrote: »

Is it the case that having started a claim with my own insurance company that it might be a problem to redirect that to insurance of the people actually causing the damage?

No. You can cancel the claim


But if they have incurred any costs they will want you to pay them back


Note though that irrespective of who deals with your claim, you now will have this loss/claim recorded on your file (and the insurers shared data base) and must disclose it to future insurers you approach for quotes