Insurance Refusing to settle

SHAFT

FaizanKhan wrote: »

We didnt even know it was written off by previous insurer until the investigator came to interview us he mentioned it, it was recorded as a Cat N (Non structural damage), but yeah the only 2 invoices i have are for the repair and brake pads (minor service)
Also another garage who done some touch up paint work on it in between who they can confirm with.

The sibling for fine and points for driving with no insurance when police arrived at scene of accident

Thought you said he had comprehensive insurance and could drive other cars.

FaizanKhan

Yes but the car was no insured by us, if your comprehensive you can drive others cars so long as they also have comp insurance and allow you to do so, this wasnt the case with this

Arklight

I don't think the uninsured driving is that relevant.

Is there any CCTV anywhere that shows the car being driven? You could try car parks if you know when you parked there.

jimbo6977

If the police weren't so uninterested in anything they can dismiss as a "civil matter" I'd tell you to expect a knock on the door.

FaizanKhan

The problem with the police is over, fixed penalty already dealt with

Its this insurance claim now thats still ongoing and there refusing to pay because they dont believe the car was repaired, when it infact was

How can they be so sure based on key data. We have the receipts to prove it was repaired and on road

Calpol4life

FaizanKhan wrote: »

The problem with the police is over, fixed penalty already dealt with

Its this insurance claim now thats still ongoing and there refusing to pay because they dont believe the car was ever repaired, when it infact was

Surely its a matter of word against word if it goes to court? How can they be so sure based on key data. We have the receipts to prove it was repaired and on road

You may have had it repaired (doubt it) but if it hasn’t been driven, the smart key will tell that tale...

It’s not about proving, it’s about balance of probabilities....

Seems like they hold the ‘key’ bit of evidence ....

C wot I did dare?

Aylesbury_Duck

If you had been driving it around from January to August (and I still doubt your story), is it possible that the key data has become "detached" from the car as a result of the accident or repair? I don't understand how these things work but you are insisting the car was driven regularly for six months, the key data says it wasn't. There must be a reason for that.

You haven't convinced me, if anything your story is getting more and more doubtful, but it doesn't matter what any of us think, you need to get proper legal advice and representation if you want to succeed with this.

dacouch

I'm guessing you paid for the accident repairs in cash and that there is no paper trail of you withdrawing the cash from the bank

Aylesbury_Duck

dacouch wrote: »

I'm guessing you paid for the accident repairs in cash and that there is no paper trail of you withdrawing the cash from the bank

The bank's probably closed or burned down or something, losing all evidence with it. These things do happen.

Car_54

FaizanKhan wrote: »

Yes but the car was no insured by us, if your comprehensive you can drive others cars so long as they also have comp insurance and allow you to do so, this wasnt the case with this

No, you can’t, unless your certificate specifically says so. Many (most?) comprehensive policies don’t.