Insurance claim advice please ???
Discussion
Hi,
A couple of weeks ago I was hit by a taxi driver in London who was trying to overtake me approaching a set of traffic lights. I took the guy's details and reg no. He works for a very reputable London cab firm - Addison Lee. They have a big fleet of fully liveried black Fiat Ulysses.
My insurers (Elephant) claim that the registration number I gave them is "not on the database". Now whilst it's conceivable that I copied the reg no down wrongly, my insurers have the details of the driver and the taxi firm so surely it shouldn't be too difficult for them to hand over the details of their insurers and the correct registration number - or am I kidding myself ??
Elephant think they know who the insurers are and have contacted them but have had no response. I have a horrible feeling this is sliding towards an 'uninsured driver' scenario. Is there anything I can do ? What obligation do the insurers or the taxi firm have to give out details if I did copy the reg no down incorrectly. I appreciate this would effectively mean them incriminating themselves. Is there anything I can do ?
Any advice would be much appreciated.
Thanks,
Jamie
A couple of weeks ago I was hit by a taxi driver in London who was trying to overtake me approaching a set of traffic lights. I took the guy's details and reg no. He works for a very reputable London cab firm - Addison Lee. They have a big fleet of fully liveried black Fiat Ulysses.
My insurers (Elephant) claim that the registration number I gave them is "not on the database". Now whilst it's conceivable that I copied the reg no down wrongly, my insurers have the details of the driver and the taxi firm so surely it shouldn't be too difficult for them to hand over the details of their insurers and the correct registration number - or am I kidding myself ??
Elephant think they know who the insurers are and have contacted them but have had no response. I have a horrible feeling this is sliding towards an 'uninsured driver' scenario. Is there anything I can do ? What obligation do the insurers or the taxi firm have to give out details if I did copy the reg no down incorrectly. I appreciate this would effectively mean them incriminating themselves. Is there anything I can do ?
Any advice would be much appreciated.
Thanks,
Jamie
If you have the driver's name and address, make a claim against him/her through the Small Claims Court procedure - It's relatively cheap and painless (if you don't involve a lawyer) The driver would then normally get their insurer to get a move on.
Large grey wrinkly animal insurance company, eh? I've heard they are not the greatest come claim time ...
Large grey wrinkly animal insurance company, eh? I've heard they are not the greatest come claim time ...
Sorry to sort of hijack the thread but i received the same response a coople of weeks ago.
What happens if I am successful against the individual re no claims and sorting that side out? Surely I cannot claim for the money the insurance have already paid out to me for loss of the bike as that would be double recovery or do i claim on bealf of the insurance co to get the money for them.
Basically how do i ensure full recovery for the insurance so my insurance does not go throug the roof?
What happens if I am successful against the individual re no claims and sorting that side out? Surely I cannot claim for the money the insurance have already paid out to me for loss of the bike as that would be double recovery or do i claim on bealf of the insurance co to get the money for them.
Basically how do i ensure full recovery for the insurance so my insurance does not go throug the roof?
Adam,
If you succeed in your claim, then tell your insurers so, and they should in turn be able to recover their outlay. You do not recover this on their behalf. Mind you if they are on the ball.....
....then they should make a recovery of their outlay before you do.
Jamie,
YHM.
Steve
If you succeed in your claim, then tell your insurers so, and they should in turn be able to recover their outlay. You do not recover this on their behalf. Mind you if they are on the ball.....
....then they should make a recovery of their outlay before you do. Jamie,
YHM.
Steve
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