Motor Insurance no fault claim

robathome1

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

How would they assess that the insurance wasn't valid? As far as she is concerned there is no mileage limit on the policy

MeteredOut

robathome1 said:

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

How would they assess that the insurance wasn't valid? As far as she is concerned there is no mileage limit on the policy

You stated "They now claim the ambulance firm refused liability and as she had driven too many miles and her won't honour the very very expensive insurance premium"

What did you mean by "driven too many miles", if not a policy limitation?

And, if not that for that reason, what reason did her insurance company give for denying the claim?

DullGreyGuy

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Who are the witnesses? Friends of your daughter or random strangers that happened to be there?

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

Would be strange position for an experienced counter party to take as insured or not you are liable for hitting a static object. Can imagine some random person thinking they can argue it but not anyone managing a significant fleet of vehicles or their insurers.

More likely they are denying making contact with the vehicle/causing damage and say some other vehicle/incident must have caused the damage. 

TadleyBaggie

I read the OP meaning that because the 3rd parties insurance denied responsibility, the daughter's insurance company refused to cover the car because of the excess milage. I don't think the 3rd party insurance would even know about the excess milage.

MeteredOut

TadleyBaggie said:

I read the OP meaning that because the 3rd parties insurance denied responsibility, the daughter's insurance company refused to cover the car because of the excess milage. I don't think the 3rd party insurance would even know about the excess milage.

Yes, that would make sense

Except, from post above... "As far as she [OP's daughter] is concerned there is no mileage limit on the policy" 

Confusing when details are drip-fed.

robathome1

DullGreyGuy said:

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Who are the witnesses? Friends of your daughter or random strangers that happened to be there?

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

Would be strange position for an experienced counter party to take as insured or not you are liable for hitting a static object. Can imagine some random person thinking they can argue it but not anyone managing a significant fleet of vehicles or their insurers.

More likely they are denying making contact with the vehicle/causing damage and say some other vehicle/incident must have caused the damage. 

The witness are 3 kid in my daughters care, one was in the car and the owner of the forecourt

DullGreyGuy

robathome1 said:

DullGreyGuy said:

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Who are the witnesses? Friends of your daughter or random strangers that happened to be there?

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

Would be strange position for an experienced counter party to take as insured or not you are liable for hitting a static object. Can imagine some random person thinking they can argue it but not anyone managing a significant fleet of vehicles or their insurers.

More likely they are denying making contact with the vehicle/causing damage and say some other vehicle/incident must have caused the damage. 

The witness are 3 kid in my daughters care, one was in the car and the owner of the forecourt

How old?

Ultimately it would be for a judge to make the decision on if they are reliable witnesses and not biased by their relationship to your daughter but its not surprising that the starting position is that they aren't and so if the driver of the ambulance says they made no contact that their representatives are maintaining the no liability position. 

MeteredOut

robathome1 said:

DullGreyGuy said:

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Who are the witnesses? Friends of your daughter or random strangers that happened to be there?

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

Would be strange position for an experienced counter party to take as insured or not you are liable for hitting a static object. Can imagine some random person thinking they can argue it but not anyone managing a significant fleet of vehicles or their insurers.

More likely they are denying making contact with the vehicle/causing damage and say some other vehicle/incident must have caused the damage. 

The witness are 3 kid in my daughters care, one was in the car and the owner of the forecourt

Did the owner of the forecourt provide evidence and/or a written statement to your daughters insurance company, or is he be willing to?

cymruchris

robathome1 said:

DullGreyGuy said:

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Who are the witnesses? Friends of your daughter or random strangers that happened to be there?

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

Would be strange position for an experienced counter party to take as insured or not you are liable for hitting a static object. Can imagine some random person thinking they can argue it but not anyone managing a significant fleet of vehicles or their insurers.

More likely they are denying making contact with the vehicle/causing damage and say some other vehicle/incident must have caused the damage. 

The witness are 3 kid in my daughters care, one was in the car and the owner of the forecourt

Instead of answering a quarter of the questions you're being asked with half answers - why not start again - set out the problem - including as much detail as you can (more than you've provided so far). At the moment we're all second guessing what you might mean, and we all appear to be getting more confused, and you're not getting the advice you're looking for.

- What happened

- Was a courtesy car provided?

- If so by who?

- Who is refusing to pay out and for what? The courtesy car or the insurance claim?

- Specifically why are they refusing to pay out? (in detail)

swingaloo

robathome1 said:

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

How would they assess that the insurance wasn't valid? As far as she is concerned there is no mileage limit on the policy

When she took out the insurance they would have asked for estimated annual milage. What milage figure did she put in and how many miles has she done since taking out the policy?