Insurance issue? Is this normal?
Discussion
Well during the long and drawn out claim they admitted fault straight away but just never paid, it was two months after the accident that I decided enough was enough and asked for a car, the weather changed and it wasn't as pleasant walking in the cold and rain. All along I had no idea that I had to make sure the claim was always made to be as cheap as possible so the car hire in there eyes was an issue as I managed without a car for two months what had changed, in there eyes for me to require a car.
This was the issue I feel but when we got to court there was three aspects that they were using not to pay,
1) They had all my bank details and back history for two years, my business account and also my private account (joint), there argument was I could of just gone out and replaced my car with the money I had in my bank so the hire car costs where not needed.
2) My business account was showing that I was using it when required to top up my private account and when I got straight I paid it back, this made them say I could have borrowed the business account money to replace the damaged car.
3) The biggest issue was I only owned the car for two weeks and as the car wasn't in my name I wasn't entitled to claim for the car as it wasn't mine, I only knew this on the morning of the case, I put the car in my custody with the yellow traders form and believe it or not they didn't know about this, they basically had a copy of the logbook but with the previous owners details on an assumed it was still his car etc.
I beleive that's what won the case for me, madness really.
It's opened my eyes that's for sure, when you take out an insurance policy you have to pay there and then, should you amend the policy you get charged etc even for small admin costs, when you go to claim like I had too I was made to be made a criminal and had to prove every inch of the way that the car was mine, the accident wasn't my fault, the courtesy car was required but yet they took me to court on what I find very silly little things, they even had a receipt I had from the previous owner stating I owned the car and what I paid.
Even now I have to wait a further 30 days to be paid. In my eyes insurance is a legalised scam and the insurance company can basically do what they please. Luckily for me it went my way, I am sure this doesn't always happen.
Carl
This was the issue I feel but when we got to court there was three aspects that they were using not to pay,
1) They had all my bank details and back history for two years, my business account and also my private account (joint), there argument was I could of just gone out and replaced my car with the money I had in my bank so the hire car costs where not needed.
2) My business account was showing that I was using it when required to top up my private account and when I got straight I paid it back, this made them say I could have borrowed the business account money to replace the damaged car.
3) The biggest issue was I only owned the car for two weeks and as the car wasn't in my name I wasn't entitled to claim for the car as it wasn't mine, I only knew this on the morning of the case, I put the car in my custody with the yellow traders form and believe it or not they didn't know about this, they basically had a copy of the logbook but with the previous owners details on an assumed it was still his car etc.
I beleive that's what won the case for me, madness really.
It's opened my eyes that's for sure, when you take out an insurance policy you have to pay there and then, should you amend the policy you get charged etc even for small admin costs, when you go to claim like I had too I was made to be made a criminal and had to prove every inch of the way that the car was mine, the accident wasn't my fault, the courtesy car was required but yet they took me to court on what I find very silly little things, they even had a receipt I had from the previous owner stating I owned the car and what I paid.
Even now I have to wait a further 30 days to be paid. In my eyes insurance is a legalised scam and the insurance company can basically do what they please. Luckily for me it went my way, I am sure this doesn't always happen.
Carl
SteveSteveson said:
Phone them if you can. Since they agreed to pay on the 5th Dec, and we have had Christmas and New Year to delay things, it could be that they have it in the system waiting to pay but going slowly, or even it has been sent out as a cheque. It could be they are being difficult and trying to delay payment again however, and a chase is always worth trying.
Well I did the chase and it seems my solicitors have been on the case, court proceedings are now being sent out, basically they are using stall tactics so I am told.It's mad that if I was late to pay my vat bill, I get a nice fine and a threatening letter regards bailiffs, are the insurance company's above the law of the land? I am getting annoyed but won't let it drop, then they have basically won and I am well and truly left out of pocket.
Makes me mad to watch the new direct line insurance advert, they try to come across as the the good guys but in reality they are out to take premiums and not honor them there end should you need them!
It's not direct line I am fighting btw
Carl
Edited by C. Grimsley on Wednesday 7th January 21:10
The insurance policy was motor trade due to my job but it wasn't my insurance who was paying out it was the other parties. I suppose it's the going rate for a business of my size and people I employ, not to forget the biggest liability, ha ha my girlfriend.
Yes I will be contacting the solicitors again tomorrow to see what's what, I don't feel I have had all that's owed to me any how.
Carl
Yes I will be contacting the solicitors again tomorrow to see what's what, I don't feel I have had all that's owed to me any how.
Carl
Gassing Station | General Gassing | Top of Page | What's New | My Stuff