Insurance procedure after car collision with a child UPDATE

[Nezquick]

TwigtheWonderkid said:

Nezquick said:

TwigtheWonderkid said:

That's just not true. They make commercial decisions, like all businesses. A £1500 claim my not be worth fighting, but £15K might be.

Yes it is Twig. You seem to be fixated on value when it comes to insurance claims. In reality it means very little, at least to the clients I defend claims for.

No it isn't. Does you seriously think and insurance company whose client has had a £500 claim where he thinks it's non fault but the tp is offering 50/50 is going to fight that claim with the same determination as a disputed claim worth tens or hundreds of thousands??? They might do one letter on their client's behalf disputing the 50/50 offer but they aren't going to hand it over to top City solicitors for a locus report and detailed investigation. And no one expects them to.

Get real.

I'm not disputing that insurance companies make commercial decisions on claims - of course they do.

What I am disputing is that if a case is worth fighting (such as in the OP's case, where a child has run out and there is nothing the driver could have done to stop) then an insurer will fight it regardless of value.

Using your logic, every case worth £1500 or less just gets settled when that clearly isn't the case.

[CoolHands]

This was in today's mail

http://www.dailymail.co.uk/news/article-3766573/He...

[RobinOakapple]

"Manufacturer SmartWitness have released the footage of the incident, which occurred in June, to highlight the dangers of not looking before crossing the road."

The resulting boost to Smart Witness dashcam sales is entirely coincidental and non-deliberate.

[Nezquick]

CoolHands said:

This was in today's mail

http://www.dailymail.co.uk/news/article-3766573/He...

A perfect example to prove my point.

If the parents of that child wanted to pursue a claim (which in all probability would be worth very little given he got up and ran away) then regardless of it being a "low value" claim, it'd be one the insurers would defend in full, to trial if necessary, regardless of the potential costs involved.