Non-fault car accident - claim through own insurance, third partys insurance or credit hire company?

ontheroad1970

Remember that you only get ombudsman support if you claim through YOUR insurance company.  Important if you get to the end of the write off process and they have given a final offer that you are unhappy with.

Bingjamin

DullGreyGuy said:

Bingjamin said:

DullGreyGuy said:

Bingjamin said:

I used the contact number from a screen grab of the third partys policy. I would assume it was the correct no, although I will doube check

That Claims telephone number is for Insure Daily who are an intermediary.

This one is slightly complex because the stated underwriter is KGM who have a different number for claims of [Removed by forum Team] however KGM themselves are an intermediary as well. The true insurer appears to be Zurich

Sometimes insurers delegate claims handling to intermediaries/sellers (fully or partially), sometimes they dont but the intermediary puts their own number out there to take the first notification of loss and look for revenue opportunities via accident management companies. 

Im assuming I'd get similar treatment speaking to KGM, so do you think contacting Zurich directly could work?

MGAs (which is what KGM are, or a coverholder if you dislike americanisms) can go either way and can have full claims handling authority. Zurich may be happy to deal direct or may push you to KGM if they've delegated their authority on claims.

In some MGA arrangements, its worrying how little the true insurer really knows about what their capacity has been put against (but then if you're looking for jobs in the insurance industry in projects there is always demand for those that know how to make MGAs work from the insurer perspective). 

Seem to be having more luck with KGM. From the initial conversation with them today they seem more likely to want to sort the claim themselves, but they are still yet to determine liability from their side, so will hopefully hear back in a few days. Thanks for the tip!