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  • FIRST POST
    • mrsmac10
    • By mrsmac10 8th May 18, 8:35 PM
    • 4,058Posts
    • 55,530Thanks
    mrsmac10
    Motor insurance and CCTV
    • #1
    • 8th May 18, 8:35 PM
    Motor insurance and CCTV 8th May 18 at 8:35 PM
    Hi

    I am a regular poster on another thread and looking for advice

    I had an accident recently which the police attend by chance and they confirmed that the CCTV footage showed the other driver responsible

    The insurance company have stated that as the police have not replied therefore the claim will be classed as 50/50

    I was in a box junction and the other driver in a filter lane She changed her mind about turning and crossed heavy a white marked area to drive straight on and crashed into me

    I feel this is unfair and wonder how to progress

    Thanks
Page 1
    • Quentin
    • By Quentin 8th May 18, 8:48 PM
    • 37,266 Posts
    • 21,415 Thanks
    Quentin
    • #2
    • 8th May 18, 8:48 PM
    • #2
    • 8th May 18, 8:48 PM
    Police cannot confirm liability (a civil issue, not criminal matter)


    Whenever you are unhappy with your insurer your route is a formal complaint in line with their complaints policy which will be set out in the policy docs.


    Then If you are unhappy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication all at no cost to you


    If this does end up 50/50 then you can reclaim 50% of all your uninsured losses (including your excess) from the third party insurer
    • mrsmac10
    • By mrsmac10 8th May 18, 9:01 PM
    • 4,058 Posts
    • 55,530 Thanks
    mrsmac10
    • #3
    • 8th May 18, 9:01 PM
    • #3
    • 8th May 18, 9:01 PM
    Police cannot confirm liability (a civil issue, not criminal matter)


    Whenever you are unhappy with your insurer your route is a formal complaint in line with their complaints policy which will be set out in the policy docs.


    Then If you are unhappy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication all at no cost to you


    If this does end up 50/50 then you can reclaim 50% of all your uninsured losses (including your excess) from the third party insurer
    Originally posted by Quentin
    Thanks. I was expecting the police to realease the cctv footage to the insurance company. I am sure that is what the police person said. I cannot as an individual request it but the insurers can

    Thanks again
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