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Insurance – why bother….
Was rear ended a few weeks back – did the whole swap details stuff as it was low speed and not a big deal. OK – her car has buckled bonnet, wings, lights hanging out etc. and what I thought was just a broken bumper and a bent tailpipe is just shy of £2500 damage according to the repair assessor…
…chase up the insurance co. after a few weeks…and yeh…she wasn’t covered by her policy. I figured out she was ‘working’ on a ‘social/domestic’ policy.
My insurance not interested unless I was to claim on my policy and live with the fact that ‘your premium may significantly increase next year’…I don’t think so. It would appear that even the ‘legal protection’ relies on me making a claim…unless it’s a personal injury claim then the ambulance chasers are all over me for free. So it’s screw myself for the next umpteen years for having a claim (I do have protected NCB – but it’s barely worth the money) or get legal off my own back.
Going to go through the MIB (and maybe small claims). Reported her to the police for the offence of no insurance so I could proceed with my claim.
Didn’t really help as she gave me a duff phone number…but have other details too…how valid they are is anybody’s guess…at least the name matches the description. Thank you social networking sites.
Could have saved herself a whole lotta trouble if she’d just called me and offered to fix the car when she found out she was uninsured…what a decent person would do.
i have NEVER know such hassle when doing a claim – ever.
Always just been -" driver of XYZ 1234 hit me on this road on this date"…and wait for a settlement.
Moral of the story – ALWAYS get the police out at the time as it’s your right to suspect they don’t have correct insurance…and CALL the number given at the scene. Apparently 1 in 12 drivers has incorrect or no cover if you believe some sources.
Second time I’ve been rammed up the rear on damp roads whilst stationary…both claiming their ‘brakes didn’t work’.
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9 Replies
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that sucks dude. like you say, is it really worth having it? the only people who seem to benefit are those who miraculously have whiplash from a 3mph bump. hope ya get it sorted.
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its the bloody law!!!
can we get an insurance that covers the law only … im so disguised at how the insurance companies behave these days
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quote Dave Rowland:… im so disguised at how the insurance companies behave these daysNo point in a disguise Dave – they know who you are 😕
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quote Dave Rowland:its the bloody law!!!can we get an insurance that covers the law only … im so disguised at how the insurance companies behave these days
used to be called Road traffic act ins only haven’t heard about it for years.
dave best of luck hope its sorted soon
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Even if you didn’t claim off your policy, you must still tell your insurance company that you have been involved in an accident, which will result in increased premiums due to you now being perceived as a higher risk.
Heads they win, tales you lose!
And they wonder why folk drive around without insurance?
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i had a similar thing a couple of weeks ago
TPFT on my motorbike, knocked off by a lorry that was giving incorrect signals. Im lucky i didnt end up under the lorry.
My insurance – You’re not covered by TPFT even if its not your fault, so you will need to recover your bike yourself, and fix it.
Me – but it wasnt my fault. Surely, I should get the monies through his insurance.
My insurance – We could i suppose.
Does make you wonder why we bother!
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Turn up for the books today.
My insurance company has been far less than helpful…today i get a call from Admiral…her insurance company.
Long story…short.
Wasn’t covered but they have decided to ‘deal’…courtesy car, repaired locally and not a penny up front from me. the way it SHOULD have been from the start.
I know who I’ll be insuring with next year…sure as hell not my current broker and bunch of clowns (‘hire/repair’ centres & ambulance chasing lawyers).
So car getting picked up from my house, option of hire car to house, work or collection all on for Monday. Yay…
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nice result Dave,
touch wood, i’ve not had to claim in years, I did have accidents in my capacity as a commercial driver (40K+ miles a year), about 6 if i recall, only one was my fault, two involved re-arranging the shape and features of my van and a deer, three were other vehicles hitting me, but I never declared those on my personal insurance, i’d had no accidents at all on that side of things – probably wrong now but the it seemed logical. my boos paid my insurance commercially so as far as I saw it, only they needed to know of anything involving my van.
Admiral are pretty good I think, I was gonna go with them for my van, they were a little more expensive but my broker matched their deals and price (well, bettered the deals) and, since the broker gives me a fair bit of work and the big boys don’t….!
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Having worked in claims for years I know how much hassle it can be.
Admiral would have to deal as RTA Insurers. If there is insurance on vehicle and driver is named (ie details taken at scene match DVLA or other such verification such as her confirming she was driving) they have to deal and MIB would reject. (I used to work at MIB) So even if she was uninsured, the vehicle insurers will deal. Same for theft for example. If a car is nicked and the thief found and arrested, the vehicle insurers have to cough up and try and recover via Court from the thief. That won’t affect your policy though 🙂
TPFT insurers don’t want to know about own damage, that’s the risk you take having TPFT only I’m afraid.
Dodgy injury claims – I spend my days fighting these. Despite it being fraud its near impossible to prove and fraud is a criminal burden of proof, ie you have to prove beyond doubt it was fraud. Most insurance claims burden of proof is civil, what the reasonable man would do etc. Luckily Courts have cottoned on and avoided this so rather than going for fraud, claimants can be charged with contempt of Court if its shown they lied in their statements as these have a statement of truth attached. It can be a trivial exaggeration, such as extent of injury etc. Recent leading case has just been publicized and the claimants were imprisoned.
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