Insurance Claim then change provider

Hatti_e

Hello
Asking for a friend.
Currently has motor and home multicover insurance and one of their immediate family members has recently been injured as a pedestrian in an RTC.  The incident was last week, this insurance ends in a couple of weeks time and they have changed provider once this cover ends.  The question is how does this affect any claim they make as it happened whilst under the current provider.
Thank you.

cw8825

if they were injured as a pedestrian - they would be claiming off the at fault parties insurance,
it should not impact thier own insurance, it is not a claim that is declarable to thier motor insurance

Hatti_e

Thank you.  It is all still a bit raw and emotionally distressing for them so just trying to get heads around, they still need to let their insurers know right? and then their insurers take it on for them?

mr_stripey

I don't think it is anything much to do with their own insurance. They should be claiming from the driver's insurance - presuming he/she was identified?

Aretnap

Hatti_e said:

Thank you.  It is all still a bit raw and emotionally distressing for them so just trying to get heads around, they still need to let their insurers know right? and then their insurers take it on for them?

No. Neither motor nor home insurance will cover injuries she sustained as a pedestrian and will not have any role to play in pursuing the driver (or his insurers) for compensation. For that she needs to engage a solicitor of her own. 

The exception to the above is if her home or car insurance comes with legal expenses cover (and in the case of car insurance, if that cover is written in a way that includes accidents as a pedestrian rather than just ones where she is in her car). In that case her insurers should provide a solicitor for her to assist with the process of claiming, and this may be a better option than engaging one in a no win no fee basis - for a start the solicitor would not claim a percentage of any compensation as with the typical NWNF agreement.

Hatti_e

Aretnap said:

Hatti_e said:

Thank you.  It is all still a bit raw and emotionally distressing for them so just trying to get heads around, they still need to let their insurers know right? and then their insurers take it on for them?

No. Neither motor nor home insurance will cover injuries she sustained as a pedestrian and will not have any role to play in pursuing the driver (or his insurers) for compensation. For that she needs to engage a solicitor of her own. 

The exception to the above is if her home or car insurance comes with legal expenses cover (and in the case of car insurance, if that cover is written in a way that includes accidents as a pedestrian rather than just ones where she is in her car). In that case her insurers should provide a solicitor for her to assist with the process of claiming, and this may be a better option than engaging one in a no win no fee basis - for a start the solicitor would not claim a percentage of any compensation as with the typical NWNF agreement.

That is helpful, thank you.  It is a minefield for them when they have never had to deal with anything like this previous.