Claiming third party car insurance through the MCE Insurance policy holder

lisyloo

Original poster I.e you

[Deleted User]

Sarah_asher said:

molerat said:

lisyloo said:

Surely the liability is with the rider?
His insurance is just the mechanism to pay his liability.
is there any legs in the pursuing the rider? Letter before action?

The problem is that it will take 6 months to a year to get any action on that front. It might give the third party a shove but they will be in the same boat chasing the insurer, it is the insurer that needs to pull their finger out and that is also going to be a slow process.  OP is likely better getting the car assessed themselves and going from there.

Hi thank you for your response. What is OP? 

You - Original Poster. 
With you being TP only cover, you might have to look at getting it repaired at cost and trying to claim it back

lisyloo

Or use an accident management company however be careful.
some try on high car hire charges and end up in court.
usually you are not liable but have to cooperate with proceedings which might mean going to court.
you have a duty to mitigate your losses
e.g. Not spend £300 on car hire when it £3 on the bus.

you need to proceed with caution if signing up to an agreement and read it carefully.