I thought insurance companies were supposed to help us
Discussion
Without going into specifics if possible (very boring):
Third party hit back end of my car in traffic last week. I pulled over when safe to do so, they drove on.
I notified my insurance with the reg. They are insured, but are now saying they were nowhere near the location at the time.
There are no independent witnesses, but there may be some CCTV.
My insurers (with whom you get some discount on PH - mentioning no names) have passed me to a well known accident management firm. All they wanted to do was give me a prestige rental and get the car booked in for repair asap. Damage is minimal and car is perfectly useable, so I declined as I believe I have a duty to mitigate my costs. They've now given up on the case and walked away from it. Presumably because I want them to actually help me, rather than run up a huge bill.
I could really do with getting hold of the CCTV footage, which I had expected would be something the claims management company would have a lot of experience with. However they have asked me to do that for them, but I can't do that it seems without filling out a F207 form for the Met, which is only going to delay matters further.
I have paid £500 for this "service", and that was a good rate at the time. My arse is starting to feel a bit sore.
Is it just me or are insurance companies (by which I mean the claims people, etc etc) utterly useless?
Meanwhile there's a nice oldish lady driving around crashing into people and giving false statements to her insurers. I don't know, the old of today, their kids would be ashamed of them if only they knew etc etc
Third party hit back end of my car in traffic last week. I pulled over when safe to do so, they drove on.
I notified my insurance with the reg. They are insured, but are now saying they were nowhere near the location at the time.
There are no independent witnesses, but there may be some CCTV.
My insurers (with whom you get some discount on PH - mentioning no names) have passed me to a well known accident management firm. All they wanted to do was give me a prestige rental and get the car booked in for repair asap. Damage is minimal and car is perfectly useable, so I declined as I believe I have a duty to mitigate my costs. They've now given up on the case and walked away from it. Presumably because I want them to actually help me, rather than run up a huge bill.
I could really do with getting hold of the CCTV footage, which I had expected would be something the claims management company would have a lot of experience with. However they have asked me to do that for them, but I can't do that it seems without filling out a F207 form for the Met, which is only going to delay matters further.
I have paid £500 for this "service", and that was a good rate at the time. My arse is starting to feel a bit sore.
Is it just me or are insurance companies (by which I mean the claims people, etc etc) utterly useless?
Meanwhile there's a nice oldish lady driving around crashing into people and giving false statements to her insurers. I don't know, the old of today, their kids would be ashamed of them if only they knew etc etc
nipsips said:
Contact your insurance company. They will deal with doing a MID check on the other vehicle and subsequent liability.
I'm not talking about the broker I'm talking about the actual insurance company I.e groupama, highway, AXA etc
Yes, the broker and actual insurer are seperate entities, although one introduces you to the other on payment of money I'm not talking about the broker I'm talking about the actual insurance company I.e groupama, highway, AXA etc
.This sounds a nightmare to me, for if the lady drove off and is denying the matter, no witnesses etc, then you really appear to be done for.
Your company will either repair your car and take your NCD, or if you save costs and DIY then still have on record you admitted to an accident. (And you will now have to admit an accident record when running quotes or changing insurers)
I'm thinking all you can do is file a 'left the scene of an accident'claim with the police and see if they can pressurise her to admit to it all? I would like to think they would at least talk to her as if this kind of behaviour does get known to meet a 'sorry, guv, nothing we can do, all costs down to you' attitude, it will spread like wild fire and more and more will do runners at the scene of accidents.
Your company will either repair your car and take your NCD, or if you save costs and DIY then still have on record you admitted to an accident. (And you will now have to admit an accident record when running quotes or changing insurers)
I'm thinking all you can do is file a 'left the scene of an accident'claim with the police and see if they can pressurise her to admit to it all? I would like to think they would at least talk to her as if this kind of behaviour does get known to meet a 'sorry, guv, nothing we can do, all costs down to you' attitude, it will spread like wild fire and more and more will do runners at the scene of accidents.
Yes, I have the details of the other driver's insurance through my own insurer. But they won't help me establish liability unless I make a claim.
I'm not bothered about the claim, the cost of repairs is about the same as my excess. But now my own report is being questioned, it makes me look like a fraudulent ambulance chasing scumbag. So I'm quite keen to get the CCTV if it still exists.
I'm not bothered about the claim, the cost of repairs is about the same as my excess. But now my own report is being questioned, it makes me look like a fraudulent ambulance chasing scumbag. So I'm quite keen to get the CCTV if it still exists.
So what you have done is notified your insurers of a non fault accident. From which, your insurers are not going to chase liability from the third party and you are not asking your insurers to repair the car. As a reward, your premiums next year will also increase.
My arse would be sore too, OP.
IMO, it's this type of attitude from Insruance Co's that encourage the ambulance chasing f
kwits to bleed the system dry. If the OP were not the honest chap he seems to be, he could quite happily be cruising round in a spanking new 5 series whilst his car goes in for a full rear end "rebuild". At the same time, waiting for a whiplash claim to come in from the MID. fking pathetic.
My arse would be sore too, OP.
IMO, it's this type of attitude from Insruance Co's that encourage the ambulance chasing f
kwits to bleed the system dry. If the OP were not the honest chap he seems to be, he could quite happily be cruising round in a spanking new 5 series whilst his car goes in for a full rear end "rebuild". At the same time, waiting for a whiplash claim to come in from the MID. fking pathetic. Police - Failure to stop and most likeley a failure to report. A s172 notice should result and the police headed paper may heve a sobering effect. DVLA will provide (sell) the RK details as you have genuine requirement.
Oh, yes. Insurnce becomes less and less helpful as their potential work load increases.
Oh, yes. Insurnce becomes less and less helpful as their potential work load increases.
Keep pushing. If you saw the driver then write down your description of the driver. If the car had any tell tales write that down as well.
When I was hit by a uninsured driver they denied all knowledge until the police got involved. Once we had described the driver and car quite closely the insurance company gained interest again.
When I was hit by a uninsured driver they denied all knowledge until the police got involved. Once we had described the driver and car quite closely the insurance company gained interest again.
LoonR1 said:
Starfighter said:
Oh, yes. Insurnce becomes less and less helpful as their potential work load increases.
Did you read my post? That's the legal standpoint. It's got fk all to do with insurance. The insurance company, having made a great deal of noice about how they are on yor side and how easy they are to deal with, bemore less willing to help you (to help them) as their work load goes up.
The OP has been hit, provides the deatils as best he knows them to his insurance company and gets little if any support.
My suggestion (not quoted) about the police involvement in a criminal act was intended to help get some leverage on the other driver to 'fess up as she appers un willing to do so at the moment. I know that has sod all to do with the insurance company but may help coming from a differennt angle.
Still not true about willingness to help being based on workload though.
The rest I agree with although Plod won't do much.
The insurer will try to get someone to examine the other vehicle. If blocked that will mean the OPs insurer will definitely pursue as it suggests something to hide.
The rest I agree with although Plod won't do much.
The insurer will try to get someone to examine the other vehicle. If blocked that will mean the OPs insurer will definitely pursue as it suggests something to hide.
12v3pot said:
A lesson learned: you lost momentum when you failed to report it the police as soon as the other party drove off?
When I notified the Police after a van hit my (parked) car they weren't bothered and refused to help.Insurers wouldn't either (TPFT)
I had to get the other parties details off the DVLA and pursue them myself
V8RX7 said:
I'm aware I wasn't covered for loss but it wouldn't have hurt them to provide the tossers details even if it was for a fee.
The potential fine for selling details on would've hurt them quite a lot. They would have no reason or mandate to access that person's details as they had suffered no loss and could not suffer one either based on the contract you had in place. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff