I thought insurance companies were supposed to help us
Discussion
It pains me to say this but you should have let the accident management co deal with this, plod will not care because you were not injured. Now if you had called the police saying you were slightly injured and the other party had drove off then they would have tracked the driver down and dealt with them.
If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
Edited by jeebus on Friday 14th June 18:33
jeebus said:
It pains me to say this but you should have let the accident management co deal with this, plod will not care because you were not injured. Now if you had called the police saying you were slightly injured and the other party had drove off then they would have tracked the driver down and dealt with them.
If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
No they won't, they won't "fight" any more than any other solicitor or insurer would.If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
Edited by jeebus on Friday 14th June 18:33
jeebus said:
Then why do we hear of so many 50-50 cases when people have tried to avoid going down the solicitor or accident management route and left the insurance company to sort it out.
I don't hear of many, but then I am exposed to a significant amount more claims than you are. I have 10,000s of claims that CHOs are still trying to claim off me, that they've lost in Court at considerable expense to themselves.jeebus said:
So insurance companies dont tend to go down the 50-50 route then? I may not work in the industry but thats a new one on me.
Last year one of the largest Personal Lines insurers settled approximately 40% of claims as non-fault, 32% as fault and 28% as split fault. The majority of the latter were at 50/50. I know this because I run said claims division. I know my peers in other companies settle similarly and we work on a norm of an equal three way split based on 100,000s of claims per year.
But you probably know better than me.
LoonR1 said:
jeebus said:
Then why do we hear of so many 50-50 cases when people have tried to avoid going down the solicitor or accident management route and left the insurance company to sort it out.
I don't hear of many, but then I am exposed to a significant amount more claims than you are.So you dont hear of many but yet they account for over a quarter of your workload.
I wasn't aware you worked in insurance you should of mentioned it before.
jeebus said:
It pains me to say this but you should have let the accident management co deal with this, plod will not care because you were not injured. Now if you had called the police saying you were slightly injured and the other party had drove off then they would have tracked the driver down and dealt with them.
If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
I'm afraid I don't agree with this, I expect they would have run up a nice big bill, then when the third party legged it and denied all knowledge they'd have had noone to cover their costs bar my own insurer, or me personally - which seems to have happened before with the company concerned. If I was to have a no fault accident then I would let my legal cover accident management company deal with it (they will fight to the bitter end to get 100% blame on the other party), trying to do the right thing by trying to keep costs down never works in your favour and tends to end up as a 50/50 in my limited experience.
Edited by jeebus on Friday 14th June 18:33
goneape said:
I'm afraid I don't agree with this, I expect they would have run up a nice big bill, then when the third party legged it and denied all knowledge they'd have had noone to cover their costs bar my own insurer, or me personally - which seems to have happened before with the company concerned.
Well it's your loss this kind of thing is what insurance is for, Now by trying to do it your own way you have made a balls of it and will probably end up worse off.I never understand threads on here where people try doing things outside of the norm then come on here complaining when it goes pear shaped, just let the insurance deal with it through the proper channels, this what you pay them for.
jeebus said:
I never understand threads on here where people try doing things outside of the norm then come on here complaining when it goes pear shaped, just let the insurance deal with it through the proper channels, this what you pay them for.
Yes, had a lot of progress with that so far. FWIW I notified my insurer of a non fault accident as immediately as was possible afterwards, and followed the proper channels... which has got me nowhere, unless I submit a claim. The only thing I haven't done according to the proper channels is fill out the F207 form immediately, because I wasn't aware of the procedure until a week after it happened.The repairs will probably come in about the same as my excess anyway so it's six of one and half a dozen of the other as far I'm concerned.
And what's so abnormal about wanting to get clarity on who's at fault, from an insurance perspective?
Why not just contact the other guy's insurer and claim directly from them? Explain you have been involved in an accident and it was his fault, then ask whether they would like you to arrange your own claims management company or whether they would like to sort it themselves.
I've done this twice and both times they arranged for me to go to a garage of my choice for repairs where a hire car was waiting at their expense.
No excess to pay and very little hassle.
I've done this twice and both times they arranged for me to go to a garage of my choice for repairs where a hire car was waiting at their expense.
No excess to pay and very little hassle.
You haven't had any luck because you told your accident management people to stop with the claim, it's no good keep asking for clarity from the insurance company either claim or don't. Just submit a claim and get the ball rolling or pay out of your own pocket to repair, it really is not rocket science but you seem to be hell bent on making life difficult for yourself.
goneape said:
Because their client denies all knowledge of the incident.
And the insurers still take that position when you informed them that you'll get an accident management co. involved?Either way, I hate to be the bearer of bad news, but now that the industry knows about the accident and you're "in the system", you need to declare it as an at fault claim when you renew unless you make recovery from the other driver. (any incident where you don't get back all of your costs from the other insurer is generally deemed at fault in my experience)
Blue Oval84 said:
And the insurers still take that position when you informed them that you'll get an accident management co. involved?
Either way, I hate to be the bearer of bad news, but now that the industry knows about the accident and you're "in the system", you need to declare it as an at fault claim when you renew unless you make recovery from the other driver. (any incident where you don't get back all of your costs from the other insurer is generally deemed at fault in my experience)
This shouldn't go down as an 'at fault' claim unless the insurer has an outlay.Either way, I hate to be the bearer of bad news, but now that the industry knows about the accident and you're "in the system", you need to declare it as an at fault claim when you renew unless you make recovery from the other driver. (any incident where you don't get back all of your costs from the other insurer is generally deemed at fault in my experience)
If the amount is within the excess, this should be 'info only' and treated as closed with recovery of all costs.
CYMR0 said:
This shouldn't go down as an 'at fault' claim unless the insurer has an outlay.
If the amount is within the excess, this should be 'info only' and treated as closed with recovery of all costs.
Maybe I wasn't clear enough with how I wrote that.If the amount is within the excess, this should be 'info only' and treated as closed with recovery of all costs.
What I mean is that when they say "Have you had any claims, accidents or losses in the last 5 years?", OP's answer has to be yes.
When they then go on to ask for details there are only a few types of incident to pick from the list, as the OP looks like he may not recover his costs, the best option he can hope is on the list is "Third Party hit you, no recovery made".
AFAIK this would class as a fault incident from the insurer's perspective.
Blue Oval84 said:
Maybe I wasn't clear enough with how I wrote that.
What I mean is that when they say "Have you had any claims, accidents or losses in the last 5 years?", OP's answer has to be yes.
When they then go on to ask for details there are only a few types of incident to pick from the list, as the OP looks like he may not recover his costs, the best option he can hope is on the list is "Third Party hit you, no recovery made".
AFAIK this would class as a fault incident from the insurer's perspective.
I think it depends on the wording. If they ask if he was at fault, or if the insurer paid out, or if the OP lost his no claims, he can say 'no.' If they specifically ask if the insurer recovered costs, the answer is unfortunately also 'no.' If the claim is withdrawn and it is recorded as an incident only then it would seem especially harsh to have to declare it as a fault claim.What I mean is that when they say "Have you had any claims, accidents or losses in the last 5 years?", OP's answer has to be yes.
When they then go on to ask for details there are only a few types of incident to pick from the list, as the OP looks like he may not recover his costs, the best option he can hope is on the list is "Third Party hit you, no recovery made".
AFAIK this would class as a fault incident from the insurer's perspective.
CYMR0 said:
I think it depends on the wording. If they ask if he was at fault, or if the insurer paid out, or if the OP lost his no claims, he can say 'no.' If they specifically ask if the insurer recovered costs, the answer is unfortunately also 'no.' If the claim is withdrawn and it is recorded as an incident only then it would seem especially harsh to have to declare it as a fault claim.
Actually, you may have hit the nail on the head, if they give an option of "Third Party hit you, NCB unaffected" then that would bump it back to a non-fault loss. OP - You may have to be selective about which insurers you obtain quotes from for a few years!Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff