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Motor Insurance settled, car fixed, now being disputed
Jo_Poweredbychocolate
Posts: 20 Forumite
in Motoring
3 years ago someone reversed into me out of their drive, they were in a rush as they told me so as I pulled over to asses the damage and said he had to rush off to take his son to scouts
It took 2 years to settle as he tried to say I was reversing too and we both reversed into each other, it was a dark night and there were no witnesses but I took photos of my car and also of his car which clearly showed that he had reversed into me
I sent photos off to my insurance and finally after 2 years he admitted liablity and finally I got a letter to get my car fixed ( he had dented the wheel arch so thankfully it was still drivable )
Today I get a letter 12months on from the settlement to say that he is now disputing it again and I have to provide evidence to dispute his claim to say I was doing a U turn
I've never come across this before and tried to search for any such scenarios so am at a loss as to what to do, I can of course phone up the insurance company ( of which I am no longer with ) to tell them that I was not doing a U turn and the photos that I sent should prove that
I haven't got a copy of the photos anymore as they were on an old pc that I tried to back up without fail as it went tits up on me
would be grateful of any suggestions thank you
It took 2 years to settle as he tried to say I was reversing too and we both reversed into each other, it was a dark night and there were no witnesses but I took photos of my car and also of his car which clearly showed that he had reversed into me
I sent photos off to my insurance and finally after 2 years he admitted liablity and finally I got a letter to get my car fixed ( he had dented the wheel arch so thankfully it was still drivable )
Today I get a letter 12months on from the settlement to say that he is now disputing it again and I have to provide evidence to dispute his claim to say I was doing a U turn
I've never come across this before and tried to search for any such scenarios so am at a loss as to what to do, I can of course phone up the insurance company ( of which I am no longer with ) to tell them that I was not doing a U turn and the photos that I sent should prove that
I haven't got a copy of the photos anymore as they were on an old pc that I tried to back up without fail as it went tits up on me
would be grateful of any suggestions thank you
0
Comments
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Your insurance company should have kept the photographs.
On what grounds are the other side attempting to resile from their original admission? If settlement has already been agreed I can't see how they can dispute at this time.
Who is the letter from? If not the third party insurers are the company involved aware of the admission?0 -
He was reversing blindly onto the road, there shouldn't be any dispute in this at all.
If he saw you coming he should have stopped, if he couldn't see traffic then he shouldn't have entered the road.
Anyone reversing from a driveway where they cannot see the traffic on the road and where that driveway could just as easily be reversed onto, should in my opinion be SHOT.
I've seen people do this, reversing out onto a 50mph dual-carriageway and i've had near misses with people doing this in residential areas. I even had one guy that went full road rage because I used my horn to warn him I was approaching as he was reversing into the road in front of me.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
<><><><><><><><><<><><><><><><><><><><><><> Don't forget to like and subscribe \/ \/ \/0 -
I have found a letter from my insurance company ( that I was with at the time, I am not with them anymore as I moved as I was so furious that they didn't seem to want to fight my corner over the matter ) that says the claim is settled and I won't be hearing from them again
now this letter is from the same insurance company saying now that the person is saying I did a U turn in the road, which is utter rubbish plus if I was the dent on my car is on the wrong side if that were the case
I have never known anything like this, I can't phone them now as they are closed but wanted to some advice first before phoning them0 -
Well it's ridiculous, it doesn't matter what you were or were not doing in the road (even if you did something stupid), you had priority and he should not have reversed.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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I tried to explain that to the insurance company at the time and they kept saying, it's his word against mine as I have no witnesses so I should accept 50 50 I kept saying surely the car damage should indicate that he reversed into me
so I left them to fight it out0 -
Well I phoned up the insurers this morning and they don't seem to have a clue what is going on and don't understand why the letter was sent out
they said it's probably cos they are now trying to get money out of the third party for the repair of my car and they are refusing to pay up0 -
The other driver doesn't need to pay anything towards the repair of your car, thats what their insurance is for.
If they claimed for their own car then an excess maybe payable, but thats nothing to do with you.Censorship Reigns Supreme in Troll City...0 -
Jo_Poweredbychocolate wrote: »....they said it's probably cos they are now trying to get money out of the third party for the repair of my car and they are refusing to pay up
You will have agreed to assist your insurer in getting reimbursed their costs from the third party as part of the policy conditions.
Just comply with their request and refute this suggestion of you doing a U turn, and take it from any reply you get over this before getting too worried.0 -
thank you well since refuting their claim I've not heard anything so will just have to sit it out I guess0
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Did you get this sorted OP?
I'm in a dispute with my insurers too and trying to find out what one can do if there's a dispute between the insured and the insurer.0
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