Admiral Recovering Costs From Me!

foxy-stoat

Have you actually had correspondence from Admiral saying they are pursuing you for their costs?

POPPYOSCAR

stripeyfox wrote: »

I'd never considered this consequence of a drink driving accident.

Maybe the threat of financial ruin would be an extra deterrent to those who may be tempted to get behind the wheel after drinking?

However, a quick read up on it shows that Admiral are perhaps more concerned about their profits than any social justice or punishment

some useful info here (some if it a bit old, but the thread is recently updated)


http://https://www.forum.drinkdriving.org/threads/admiral-insurance-drink-and-drugs-policy.34185/page-5

Yes.

I never thought about this aspect as I never drink and drive myself.

Perhaps all car insurance should do this when an accident is caused by doing anything illegal such as drink driving, speeding, dangerous driving etc.

It might just make some think twice although the arrogance of some will probably think it will never happen to them.

lara.mango19

@foxystoat - I have not yet had an actual bill for them but they have told me over the phone that they will be looking to pursue me for them as per the clause in the T&C's

Indout96

This is not new, these clauses were brought in in the late 70's early 80's when I working in insurance, not sure of the exact date but I started in 79 and left in 1983 so between those dates.
It is not just one company, no idea where you got that from.
The insurers will pay out for any claims and then look to claim any losses back from you.

foxy-stoat

People put the threat of financial ruin over other peoples lives, the insurers should of all come together years ago and all added this clause to their policies. May of saved a life or 2.

foxy-stoat

lara.mango19 wrote: »

@foxystoat - I have not yet had an actual bill for them but they have told me over the phone that they will be looking to pursue me for them as per the clause in the T&C's

Sounds like you need to take out as much credit as you can now, rack up and stooze all credit cards to the maximum and put all the cash you get in a safe under the floor boards. When you get the invoice go bankrupt and in 6 years you will be able to get your life moving again.

AdrianC

lara.mango19 wrote: »

what I am saying is, they are the only insurer to have this clause and no other insurers are against paying third party claims.

Like I said - the time to think about that was when choosing which insurer to give your business to. You had 14 days after receiving the Ts & Cs during which you could have cancelled and bought elsewhere.

Your post-event attempt at damage limitation is akin to deciding you only want to pay for basic third party cover, then wondering why theft or fire isn't paid out, or why they aren't paying for damage to your car.

I am not looking for a way out, I understand I will have to pay

OK... There's a "but" coming, isn't there?

however

...and there we go...

I am just wondering what are the odds of them wanting £30k

That depends on the size of the claim they paid. If they paid £5k, they'll reclaim £5k. If they paid £30k, they'll reclaim £30k.

from someone who does not have the means to pay

That's a different question entirely. Your ability to pay does not affect your liability. This is not about you.

Like I said - if you refuse to pay, you will be taken to court for the debt. If you are found liable, then you may be able to negotiate payments. If you cannot, then you may need to look at insolvency.

iolanthe07

'Let he who is without sin, cast the first stone'.

We all make stupid mistakes in our lives, and of course drink/driving should be punished, but in this case the punishment would seem to be out of proportion and far beyond what the law has exacted. As the OP has said, the consequences of her offence seems much harsher than other dangerous driving offences, such as using a hand held phone.

AdrianC

lara.mango19 wrote: »

I don't need your attitude Adrian

I am not giving you "attitude". I am dispassionately explaining the position.

I have literally just posted this for advice from people who have found themselves in a similar position

Since we have zero idea of the circumstances of your claim, nobody can know if their circumstances were similar. As has been shown, there are plenty of documented cases where they have recovered their costs.

If I have to declare bankruptcy, the insurers won't get anything. They would be better off getting a minimum monthly payment off me because then at least they're getting something back.

That's something they will need to take into account when looking at any post-judgement options. Bankruptcy does not necessarily mean absolutely £0 due, however - that would be up to your trustee in bankruptcy to determine. Bankruptcy is not the only insolvency option.

That would be better explored on the debt parts of the forum, if and when you know what size bill you are facing, rather than hypothetical fears and widely-varying guesses.

iolanthe07 wrote: »

but in this case the punishment would seem to be out of proportion

There is no punishment. The insurers won't indemnify the OP outside the terms of the contract. It's that simple.

lara.mango19

iolanthe07 wrote: »

'Let he who is without sin, cast the first stone'.

We all make stupid mistakes in our lives, and of course drink/driving should be punished, but in this case the punishment would seem to be out of proportion and far beyond what the law has exacted. As the OP has said, the consequences of her offence seems much harsher than other dangerous driving offences, such as using a hand held phone.

Thank you for understanding.