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Strange Question Needing Advice


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#1 robminibcy

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Posted 24 December 2014 - 06:10 PM

Hi all. Bit of  strange one. Not naming any names or anything but it is in relation to a bump nearly 2 years ago.

 

 

It was a very minor shunt where by I ran in to the back of someone. the other car was a old low value car which I assume would have been written of as a cat c or d but probably fixable. my car suffered minor damage. no police involved no injury ect ect dealt with at the road side and I drove home (lived just round the corner so broken rad didnt matter). I phoned my insurers straight away explained everything agreed with it being my fault and said my excess was more than the damage, all ok I fixed the car and never heard another thing until today where I have a letter from I presume the other parties insurance saying my insurance company haven't paid up and I need to pay the settlement within 14 days or im being taken to court.

 

Now as far as Im concerned  they can take me to court! This is nothing to do with me, I havn't claimed and it is between insurance companies to sort this out (after all isn't this what we pay them for!)

 

Any one had similar or got any advice. being Christmas I cant actually speak to them direct so need to wait a few days. 



#2 mm man

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Posted 26 December 2014 - 12:07 PM

I am no expert but if you informed your insurance company then that's now there responsibility as you say . Just contact them after Xmas and but the ball in there court

The only way your insurance company wouldn't have taken any action in this case would have been if you had told them not to via a letter

Edited by mm man, 26 December 2014 - 12:12 PM.


#3 Tamworthbay

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Posted 26 December 2014 - 04:07 PM

They may well take you to court as it was you driving, but it's the insurance company that is liable. I wouldn't worry about it but get on to them as soon as you can. I had similar over twenty years ago when I was victim of an insurance scam (they are not a new thing) when a woman overtook me then slammed the brakes on. My insurance company refused to pay because of what I had told them but the judge disagreed. I was found to be at fault and my insurance company paid out, I was then called to court again when the insurance company found out it was twelfth such 'accident' in three years and she was done for fraud (but sadly not jailed).

#4 olosteve

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Posted 26 December 2014 - 07:28 PM

As previous, insurance company should be liable.
Always worth reporting to police, it covers you from being reported for driving away.

Edited by olosteve, 26 December 2014 - 07:30 PM.


#5 Jordie

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Posted 26 December 2014 - 08:03 PM

Hi all. Bit of  strange one. Not naming any names or anything but it is in relation to a bump nearly 2 years ago.

 

 

It was a very minor shunt where by I ran in to the back of someone. the other car was a old low value car which I assume would have been written of as a cat c or d but probably fixable. my car suffered minor damage. no police involved no injury ect ect dealt with at the road side and I drove home (lived just round the corner so broken rad didnt matter). I phoned my insurers straight away explained everything agreed with it being my fault and said my excess was more than the damage, all ok I fixed the car and never heard another thing until today where I have a letter from I presume the other parties insurance saying my insurance company haven't paid up and I need to pay the settlement within 14 days or im being taken to court.

 

Now as far as Im concerned  they can take me to court! This is nothing to do with me, I havn't claimed and it is between insurance companies to sort this out (after all isn't this what we pay them for!)

 

Any one had similar or got any advice. being Christmas I cant actually speak to them direct so need to wait a few days. 

 

Did you provide them with the third parties details, registration and any insurance details you gained at the scene of the accident.

 

Im reading your post thinking there may be some confusion on what the damage was to each car. maybe they interpreted it as both owners repairing their own cars.....so no claim and no action taken.

 

You say you havent made a claim, but if they had taken the action or the "accident" was still in investigation at renewal, they wouldnt issue your NCB. (you would have had a "at fault" claim againist you, writing off your NCB for that year n possibly some previous, you would have had to declare this for 5 yrs on your insurance too)



#6 robminibcy

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Posted 26 December 2014 - 09:43 PM

 Did you provide them with the third parties details, registration and any insurance details you gained at the scene of the accident. Im reading your post thinking there may be some confusion on what the damage was to each car. maybe they interpreted it as both owners repairing their own cars.....so no claim and no action taken. You say you havent made a claim, but if they had taken the action or the "accident" was still in investigation at renewal, they wouldnt issue your NCB. (you would have had a "at fault" claim againist you, writing off your NCB for that year n possibly some previous, you would have had to declare this for 5 yrs on your insurance too)

I gave my insurance all details of the other party and only didn't claim for my car. I actually queried this as I was going to just stick my car through insurance but was told if I didn't claim I didn't need to pay excess as only the 3rd party would be paid for. I lost my no claims as a result and have indeed declared an accident on policies since.


Edited by robminibcy, 27 December 2014 - 02:35 AM.





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