Confused defendant in motor insurance claim

jmbarker99

Two years ago a named driver on my motor insurance policy wrote my car off in an accident, it was an at fault claim. A few months back I received a number of court summonses as named defendant in injury claims the plaintiffs being passengers in the other car.
I phoned my insurance company and was told that it is normal for me to be listed as the defendant as I am the policy holder and they were aware that I was not in the car at the time of the accident. they appointed a legal firm to deal with the claims.
I heard from the lawyers a few weeks back that they have settled with one of the plaintiffs (a minor). Two weeks ago, I received another letter from the lawyers stating that they had been instructed by my insurers to defend proceedings brought by another plaintiff. They want me to sign a form of consent allowing them to admit liability for the purposes of the defence.
I have asked them to clarify how this affects my insurance records and how can I admit liability for an accident when i was not in the car. After several reminders they have not got back to me. I am concerned about how this would affect my future insurance premiums
The case is with the county court division of northern Ireland if the jurisdiction makes any difference.

Quentin

You can get an idea of how this will affect your future premium increase by doing dummy quotes online with and without the claim in your history.

(Which court is dealing with this is irrelevant as far as this court claim is concerned)

molerat

Unlikely to affect your insurance premiums any more than it already has by having that claim on your record. You are liable by the fact that it was your car and your insurance so ultimately your responsibility. There are many cases in law where the person having to admit the liability is not the one who actually did the deed. Just do as the insurers ask or you could end up with problems.