Admiral Law Refusing to Pursue My Non-Fault Claim – What Can I Do?

WYSPECIAL

dealwatchers said:

Hi all,

Nice to meet you all virtually. This is my first post so please be kind.

Looking for advice on what to do next regarding my insurance claim. 

Context

My wife was in a non-fault accident: she turned left out of a garden centre and came to a complete stop to let an HGV exit a yard. The HGV then swung wide and hit the back right of her car. She was stationary at the time. A witness confirmed this, and the HGV driver admitted fault at the scene (later denied, of course).

Admiral passed the case to Admiral Law, who are now saying it’s 50/50 liability because “both vehicles were exiting side roads,” despite my wife being stationary. They refuse to take it to court and say we would have to cover legal costs ourselves if we lose — even though we have legal cover. We’ve submitted a detailed statement, a diagram, and formally rejected the offer, but they won’t budge. I’ve raised a formal complaint.

Did your wife stop and in some way indicate for the HGV to pull out? Why didn't she just continue on her way if she was on the road and had priority?

Was the HGV already emerging onto the road she turned onto?

Who did the HGV driver admit liability to and what evidence is there of it?