Help to understand CUE motor claim data access request

rob_cb
rob_cb Posts: 17
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edited 5 January at 10:22AM in Insurance & life assurance
I had a non-fault car accident a couple of years ago (someone ran into the back of me at traffic lights). Last month, I switched insurers and their validation team said it was registered as "at fault" with CUE (Claims & Underwriting Exchange) and I need to contact the original insurer if I want it corrected. The new insurer accepted it was non-fault with additional documentation so I just want to ensure it's corrected on CUE.

I contacted my previous insurer about this and they say it's "non-fault" on CUE. I also just received the response to my subject access request from CUE but I can't see anywhere that says if it was "at fault" or "non-fault". All I can see is Claim Status = Closed Settled.

Screenshot attached (censored personal information). Does this look like a "non-fault" claim or have they not shared this information with me?



Comments

  • DullGreyGuy
    DullGreyGuy Posts: 9,029
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    Its the NCD indicator... you were allowed to keep your NCD and therefore its non-fault
  • rob_cb
    rob_cb Posts: 17
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    Its the NCD indicator... you were allowed to keep your NCD and therefore its non-fault

    Thank you! Not obvious at all.
  • DullGreyGuy
    DullGreyGuy Posts: 9,029
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    rob_cb said:
    Its the NCD indicator... you were allowed to keep your NCD and therefore its non-fault

    Thank you! Not obvious at all.
    Have worked in insurance for 20 years and talked about CUE many times but never actually seen what they send in response to a SAR but fundamentally fault/non-fault is proxied by if the NCD is allowed or not. 

    Strictly fault is defined by if an insurer recovers their outlay or not but you get cases where an insured's £50,000 car is written off, the third party insurer reimburses us for that but states they consider the £100 engineer's inspection fee was unnecessary and so only reimburse £40 for a desktop assessment. Technically the insurer is £60 out of pocket still so would be a fault claim but in reality they are going to allow the NCD to stand as its clearly not worth litigation over £60
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