Insurance accepting liability without consent 15 January 2020 at 3:43PM edited 30 November -1 at 12:00AM in Motoring 9 replies 473 views

Emerson44

So my girlfriend has recently been involved in a car crash which wasn't her fault - she was on a roundabout when a car pulled out in front of her cutting her up, and then he slammed his brakes on. As there was no time to react to this my girlfriend started braking but ended up going into the back of him regardless. It was her right of way as she was already on the roundabout, and he was driving recklessly by trying to pull out in front of her at speed. She submitted a statement to her insurers, along with a drawn diagram of the crash. She has denied all responsibility for the crash and rightfully so, however her insurance company have sent her an email saying they have accepted liability for the accident. I was just wondering if there is any sort of law surrounding this and if there is any other avenues we can explore to rectify this. Thanks in advance.

jaybeetoo

If she goes into the back of somebody then she will be assumed to be the guilty party in the absence of witnesses or dashcam evidence.

twhitehousescat

yes . it you run into the back of another car , you are at fault

your girlfriend hit them , they did not hit you

AdrianC

It's a very similar situation to this thread, and there's going to be a huge degree of crossover between the answers.

https://forums.moneysavingexpert.com/showthread.php?t=6091771

foxy-stoat

The insurers do not need your consent to settle the claim - all you need to do is submit your statement, and any dash camera footage to back up your claims, and witness name and address and they do the rest.

You wont be able to "rectify" this unfortunately, apart from protect yourself in the future with cameras.

born_again

Start getting worried when there are 5 injury claims.....

Could easily be a crash for cash scam

tanvir

Going through same issue here. And it's frustrating the way insurers act.
I always thought insurers will do all they can to stop paying but seems here they are ready to payout.

AdrianC

tanvir wrote: »

I always thought insurers will do all they can to stop paying but seems here they are ready to payout.

Because they know that the likelihood of not paying is very slim, and the more effort they put into fighting the unwinnable, the more it'll cost them.

tanvir

AdrianC wrote: »

Because they know that the likelihood of not paying is very slim, and the more effort they put into fighting the unwinnable, the more it'll cost them.

But in these cases isn't it just my word against theirs? Why can't they settle at 50/50?

AdrianC

tanvir wrote: »

But in these cases isn't it just my word against theirs? Why can't they settle at 50/50?

Because it's not simply "your word against theirs", in a situation that could just as easily go either way.

You drove into the back of them.