📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

County Court Claim for Reduced Car Value

Hello, I am hoping someone is able to offer some advice for an extremely stressful situation that I have found myself in.
Back in mid 2023, I was contacted by my insurer that a claim has been filed by a 3rd party insurer alleging that my vehicle has hit their client's. The 3rd party claimed that they were given the car registration by a witness as the vehicle drove away after the incident. The witness also reported that they have dashcam evidence. I told my insurer that neither myself nor my vehicle were involved. We were nowhere near the location of this alleged incident. My insurer wanted photos of my vehicle which i sent them. I was very worried that this is a scam or car cloning incident but hoping it's just a mistake by the witness which the dashcam evidence would easily clarify. I kept chasing my insurer for update. They told me they contacted the 3rd party insurer for the dash cam evidence but did not get anything back. After about 6 months , the claim was closed out by my insurer.
Then in mid 2024 the insurer (whom i am no longer with) contacted me to say they are reopening the claim again as they have received correspondence from a solicitor of the 3rd party insurer who still want to pursue the claim. I told them the same info and they say they have asked for evidence again and will contact me if further info is needed. I didn't hear anything for about 7 months.
Then, last week I received a county court claim addressed to me directly for payment related to reduced value of the vehicle. The driver of the car is listed as the claimant but it was sent on their behalf by a legal firm that seems to represent insurers according to their website. I contacted my old insurer who told me to send them the forms and that they will instruct their legal panel to handle this.

Apologies for the long essay but my questions are:

1. I have some  info to show my vehicle is not involved but doesn't the 3rd party need to provide more evidence in the first place than just a quote of the alleged car registration number? As far as I know they have not provided the dash cam evidence or any other info such as details of the driver of the vehicle that they claimed hit their car


2. what sort of confirmation should I expect or request from the legal panel of my insurer as to the action they have taken? For eg. would they reply to the claim form on my behalf, so I should have a copy and evidence that it's been responded to? Or is there a court/government website or phone number I could use to enquire about the status of the claim? I'm worried that if my insurer or their legal panel their feet and not act on it quickly then a default judgement could end up being made against me.


Any other advice would be much appreciated as this is causing me so much anxiety. Many thanks in advance.

Comments

  • cw8825
    cw8825 Posts: 618 Forumite
    500 Posts First Anniversary Photogenic Name Dropper
    call the insurer
    forward them the court form
    let them deal with it, its what you paid them for. 
    more than likely they have taken down an incorrect registration and the claim needs to be defended/redirected.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.