Legal cover with car insurance

Poppy9

Shaanbles wrote:

Great - just got a letter from the Police today saying they are not going to prosecute her for failing to stop after an accident.

Waiting to hear back from the police that the insurance company is saying she's not insured - wonder what document she showed the police a couple of months ago?!?

You can use the Freedom of Information Act to request the Police to disclose why they are not prosecuting a criminal offence. They have to respond within 20 days.

Also if your car legal protection won't help you sue her in a civil court use your household insurance legal protection if you have it.

MarkyMarkD

I'd be very surprised, Poppy, if the household legal protection didn't exclude motoring related matters - or nobody would bother buying motorists' legal protection with their motor policies.

It's not surprising, either, that Diamond sought to deal with your claim directly although they were the third party insurers. By doing this, they can keep control over the costs of the claim and ensure that things are sorted out as quickly, and cheaply, as possible. If they leave it to your insurers, they may end up paying more as your insurers may faff about and increase the overall cost.

The uninsured loss insurers are normally separate companies from the underwriters of the main policy, so once again it's not surprising they make their own independent decisions.

Basically in this case, they can't be bothered to pursue a case for £250 - but that's wrong, because that's what you are paying your premium for.