Vehicle insurance claim costs
Hi, so 1.5 years ago my partner was involved in a minor car accident with another vehicle. Unfortunately her insurer at the time invalidated the cover due to a technicality (she was not covered for commuting), so we had to personally pay the claimant's cost (6K)... fair enough, we've learned from the mistake and have ensured my partner is fully covered by her new insurer! We assumed it was concluded, but…
Fast forward to today and out of the blue we receive a letter from her old insurer, asking her to pay 1.5K in costs, that “may include vehicle repair or replacement, recovery and storage, replacement hire vehicle, personal injury, legal costs and any other costs associated with us settling the claim.”
They state: “The circumstances of the incident indicate that you were 100% responsible and we have settled the third party claim.”
Our question is how is this so? We had to personally settled with the claimant directly, since the insurer wanted nothing to do with it.
How can the insurer ask for their costs to be paid, when all they did was send a few letters and answer a few of our phone calls? Is this 1.5K the cost of ‘admin’?
I’ll be calling them tomorrow, but any prior help, advice or insight would be greatly appreciated!
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