3 months and no response from 3rd party after accident.

LSD25

So 5th July was hit by a driver trying to overtake unsafely.
My insurers notified 3rd party insurers and also supplied them with my dashcam footage on 14th July.

Spoke to my insurance yesterday and they said sill no response from 3rd party!!!

What are my options?
What processes should be happening from my insurance group?
How does deadlock work in this situation?

Any help or advice would be much appreciated.

MEM62

LSD25 said:

How does deadlock work in this situation?

You let your insurers deal with it instead of stressing yourself.  Ultimately, they will litigate if necessary.  

wazza99

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

LSD25

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

little_green

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? Also be careful as i was victim of a hit & run got my car repaired & they still weren't able to recover the money from the 3rd party, i tried to switch insurers at renewal to be told by various insurers that even though it was a non fault accident because my insurer had had to cover the costs it had automatcially been recorded as a fault claim on my file. 
Anyway my partner has now had someone rear end them (their own car not the same car that was victim of hit & run) & have reported it but the 3rd party isn't admitting liability. My partner has advised insurance not to go ahead with repairs until 3rd party admits liability to ensure the claim is made against that policy. It's ridiculous! my partner has 9 years ncb but it will drop to 3 if they have to make a claim due to the other party not accepting liability. I don't know how people can just deny they are at fault & the insurer accepts it when clearly it's untrue. 

user1977

little_green said:

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? 

When would you prefer to pay something? Now? Or later?

little_green

user1977 said:

little_green said:

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? 

When would you prefer to pay something? Now? Or later?

What? If it's a non fault accident you shouldn't have anything to pay. 

user1977

little_green said:

user1977 said:

little_green said:

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? 

When would you prefer to pay something? Now? Or later?

What? If it's a non fault accident you shouldn't have anything to pay. 

I meant if you're the party who has to pay. Obviously it's in their interests to drag things out.

Jenni_D

little_green said:
i tried to switch insurers at renewal to be told by various insurers that even though it was a non fault accident because my insurer had had to cover the costs it had automatcially been recorded as a fault claim on my file.

Yes - as has been explained to you several times previously. (In the world of insurance Fault <> Blame all the time)  

Sandtree

little_green said:

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? 

As there is often counter stories available and whilst dashcam footage helps its not always conclusive. 

Some people may have minor damage and will want to claim if they know it'll end non-fault but if there is a risk of a dispute and it ending up 50/50 because in sufficient evidence to prove one version of events from the other then they'd rather not claim.

little_green said:

user1977 said:

little_green said:

LSD25 said:

wazza99 said:

Have you had your car fixed yet ? or are you waiting for liability to admitted ? 

I had similar 2nd May, i held off repairs awaiting a liability acceptance as it was hit and run (insured) 3 months later zero action....gave in and had it fixed on my policy and and by 5th October all costs we're recovered. They said without a monetary loss they basically don't chase, once they have the costs..as expected they seem to up the gear.

My situation exactly.

As had Dashcam footage, the blame was clear in my eyes. So i held off repairs waiting for liability from 3rd party.

Spoke to insurance today who advised to get my car repaired so that they have a monetary claim.
So thats currently the route im now heading

i don't understand when it's clear who is at fault, why there is a delay? 

When would you prefer to pay something? Now? Or later?

What? If it's a non fault accident you shouldn't have anything to pay. 

On a net basis thats true but your excess is contractually payable in all cases including non-fault accidents but can then be recovered from the third party (assuming it ends up non-fault, they have insurance etc).

As to the OP, 3 months isnt that long and without an outlay your insurers wont be chasing significantly... unfortunately too many insurers just send letters to each other and have backlogs etc and when backlogs occur, letters from other insurers tend to be at the bottom of the priority list.

wazza99

Oh i should add my insurer Aviva also waived the policy excess of £350 as they were "happy" they would win liability based on the dashcam footage i supplied, so yes it was gamble claiming repairs via my policy ( minor damage around £500) but without the loss to my insurer it just stagnated, having my car fixed seemed to start the ball rolling and resulted in the other party, rightly having blame attached, which to me in itself brought karma, as he knowingly hit my car and rode off to try and avoid the claim. I now have an email 5th October, 5 months after the accident, stating all costs recovered and NCB bonus not affected. Yes ofc i'll still get penalised but thats just insurance for you.