3rd Party dragging their heels

Sandtree

Tracyw73 said:

Im sorry for the parts I didht explain in detail/properly and thank you for your replies/explanations, as you can probably tell I’ve never been in this situation before, I have been hit from behind (car an absolute write off I rolled into a ditch & all windows were shattered amongst other damage, I had a fractured collar bone & several cuts & bruises) BUT unfortunately the van that hit me (plates were taken from another driver) was found to be fake plates and police were unable to trace the vehicle or where it went after the incident, so I had to take a hit on my insurance and no claims (not a happy bunny!) 

Presumably you claimed for your injuries from the MIB's Untraced Driver Agreement though? 

Its fully understandable that these things can get confusing, even people working in the industry can fall for accident management companies and some insurers have intentionally complex arrangements as an attempt to help the bottom line (was an interesting case recently where an insurer used its sister company to deal with the repairers who charged a £60 fee or such for doing so and the third party insurer were disputing that they should have to pay that £60 fee)

I'll stop trying to second guess the nature of the parties involved and who's providing what in your current claim as its ultimately not relevant to your main question. If the hire car is given under your partner's policy then it's T&Cs will determin how long they can keep it and that will be in their policybook. If the car is being given by credit hire or the TPI directly you can keep it until 5 days after payment of the total loss (or some do 7 days from offer giving 2 days for payment) however either could remove the car early if they are concerned insufficient progress is being made. It goes without saying the car isnt yours so you must return it on demand, if its returned before a payment is made you may be entitled to claim for a car you hire yourself or loss of use until such payment is made but that will depend somewhat on why insufficient progress is made.

Tracyw73

Jenni_D said:

Whose paperwork? That of your OH's insurer or that of the 3rd party insurer (TPI)? Which paperwork mentions 90 days limit for the car? (I would assume it is that of your OH's insurer).

If the TPI are paying for the hire/courtesy car your OH is currently driving then the 90 days limit is irrelevant (if my assumption is correct).

But I'm not even sure what the real situation is ... you've mentioned your OH's vehicle and the TPI accepting the injury claim, and in the next breath mentioned YOU being hit from behind by an unidentified 3rd party and having to claim off your own insurance! 🤷‍♀️

I’m removing this thread now cos it’s just getting too bloody much 

Jenni_D

You'll have to email the forum team to get this thread removed.

Of course you don't have to answer anyone's questions ... but not doing so just means you'll not get accurate help, just best-guesses. I asked the questions I did because the information you've provided is fragmented, unclear and utterly confusing (sorry).

ontheroad1970

It's not both people posting under the same username is it?