Can insurers pursue me for loss years after settlement

AlfaRomeo1

400ixl said:

Claims management company muddies the water somewhat.

They are a different party to your insurer. For example if your took a credit hire vehicle and part of the reason they lost in court was for this recovery and you didn't fully support them to their satisfaction then they could come after you for breach of the contract you signed with them.

I’m not bothered about them. They said they don’t chase anyone for hire costs if they end up losing in court

TooManyPoints

My fault. I thought this was something that had actually happened.

Aretnap

AlfaRomeo1 said:

TooManyPoints said:

Put us out of our misery. On what basis are they chasing you for payment?

They’re not, I think I’ve just been reading too much online, although they were cases where the policy was voided at the time or for drink driving. 

I’m just naturally an over thinker I guess

Internet horror stories aside it's actually very unusual for insurance companies to chase people for third party costs. When it does happen it tends to be because they either lied on their applications, or because the accident resulted from a clear and significant breach of the policy terms and conditions (some policies do have a specific clause about drink driving, for example).

Unless you did one of those things you have nothing to worry about. They can't just pursue you because it was a bit silly of you to drive into the back of someone, or pull out of the junction without looking, or not notice that the light had turned red, or whatever it was that you did to cause the accident. The whole point of liability insurance is to protect you when you do something a bit silly.

£15K might seem like a lot of money, but in the world of insurance claims medium sized at best. Insurers pay out much bigger claims than that with a shrug every day. So worrying and get in with your life.

DullGreyGuy

AlfaRomeo1 said:

TooManyPoints said:

Put us out of our misery. On what basis are they chasing you for payment?

They’re not, I think I’ve just been reading too much online, although they were cases where the policy was voided at the time or for drink driving. 

I’m just naturally an over thinker I guess

So were you drink/drug driving at the time?