Premium increased due to claim on my policy - listed as my fault but wasn't

Matthague

Hi.
As the title says my renewal has increased (as it seems everyone's has) however my car was written off when someone drove into it one night when it was parked and not in use.

I've called the renewal team who have said that as the claim is still open, I'd need to speak to claims. Called them and they confirmed its still open, (they've written off my car and paid me for this but are still chasing this money back from the driver at fault), and it will show as my fault until they can get the other driver to be pay and settle their debt.

This happend in April so I'm not expecting it to be sorted soon, however my renewal is this month and I'd like to get the strike against me removed so my renewal would be a little cheaper, or if i go elsewhere its with a clean record and not hanging over my policy. Claims team said once closed the policy would be recalculated and I'd get a refund but that'd be on the months left, not a back payment.

Has someone had this happen to them that can advise me of a way I can fix this?

Thanks

lisyloo

I don't think you can fix it to be honest.
The claim was made against your policy so whilst it's not settled our insurer has had to pay out.
The way they have described is how it works.

Sorry

DullGreyGuy

Matthague said:

(they've written off my car and paid me for this but are still chasing this money back from the driver at fault), and it will show as my fault until they can get the other driver to be pay and settle their debt.

This happend in April so I'm not expecting it to be sorted soon, however my renewal is this month and I'd like to get the strike against me removed so my renewal would be a little cheaper, or if i go elsewhere its with a clean record and not hanging over my policy. Claims team said once closed the policy would be recalculated and I'd get a refund but that'd be on the months left, not a back payment.

Has someone had this happen to them that can advise me of a way I can fix this?

What is the status of the claim with the third party insurer?
Have they acknowledge the claim and confirmed indemnity?
Have they agreed on liability?
Have they asked for their outlay to be returned yet?
What is the reason its not been finalised yet?

The general rule is that an open claim is an at fault claim simply because you never know with 100% certainty what will happen... you can think its all going to be fine and dandy and all of a sudden you hear the third party has denied being involved in the incident and the police now believe the vehicle that hit our insured was using cloned plates. 

Back in my claims days we could change an open claim to be treated as non-fault but it was only done in rare circumstances (and technically counted as a black mark against the allocated claims handler) where there was almost certainty of recovery. 

Matthague

The insurance company have had 2 lots of camera footage from neighbours, one of them was the house directly across the road showing our car being stationery and the other one driving into it plus witness accounts. Even though it happened whilst we were inside and didn't see the incident
I contacted the police who have the make and model and the number plate of the car used.
Plus the car was visiting someone 3 doors down who they knew as it was related to a shared child custody issue. It was due to an argument that the guy got into his car and angrily drove it back and forth instead of carefully easing his way out. 
I think the issue occurs as he's gone with such force it's created a multicar domino effect with the cars and damaged 3 cars as the result which means despite being nowhere near it at the time each insurer is claiming off the previous car and I'm at the end of the chain.