3rd party Insurance company not paying mine
Discussion
Wifey was run into by a local electrical company van last november, other driver admitted liability & the BiB gave him a driver education course. My insurance paid up but it now seems the other parties insurance company won't pay the NFU and it is going to court shortly. Is this normal? Been told we may need to make an appearance as witnesses, will it get that far?
thoughts please
ta
thoughts please
ta
wife stationary in queue for lights, van driver didn't stop, hit wifey hard enough to push her into van in front, all 3 vehicles written off. Independent witnesses, everyone (including police) blame sparky van. NFU paid our claim straight away, now thier legal team has informed us of the court case.
Sometimes your experiences can be different from others Loon.
Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
LoonR1 said:
That if the claim was as straightforward as you've stated then they should simply pay. What's the crash circumstances in detail?
Conviction or police action doesn't make the other side automatically liable. It does in most cases, but not all.
Sometimes insurers are just inept, the file gets buried, etc.Conviction or police action doesn't make the other side automatically liable. It does in most cases, but not all.
Most of the time there will be more to it and the insurer will have a good reason for being recalcitrant but a small percentage of insurers' systems (or individual staff) are not up to the job.
Nigel Worc's said:
Sometimes your experiences can be different from others Loon.
Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
Not true. Your insurers had an automaton defence potentially and were right not to pay out initially. They should've decided earlier whether to pursue the defence though and avoid litigation. Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
NFU had received a letter from rear van stating they were accepting liability. Frfom my understanding from the letters received the liability has been agreed by all 3 insurance companies, and this is just a failure to pay. Can they change their mind after admitting liability? The actual claim value for us is not huge, no medical claims etc.
Nigel Worc's said:
Sometimes your experiences can be different from others Loon.
Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
If the accident was caused by an undiagnosed medical condition, and you weren't negligent, why did your insurers pay the tp claim???Back in 2008 I had an own fault accident caused by an undiagnosed medical condition.
I did a lot of damage to other peoples property.
I was paid out within a month, but the other parties issued proceedings against me, nearly twelve months later, as they hadn't been paid.
My insurance then paid out, like they should have done in the begining.
Why do they do that ?
TwigtheWonderkid said:
If the accident was caused by an undiagnosed medical condition, and you weren't negligent, why did your insurers pay the tp claim???
The ABI has tried to create a voluntary market agreement that automaton defences are only used in the rarest of circumstances. See my earlier post. LoonR1 said:
TwigtheWonderkid said:
If the accident was caused by an undiagnosed medical condition, and you weren't negligent, why did your insurers pay the tp claim???
The ABI has tried to create a voluntary market agreement that automaton defences are only used in the rarest of circumstances. See my earlier post. TwigtheWonderkid said:
I wish they'd stop interfering, and leave the law of negligence and tort to decide. If I had a blackout at the wheel, out of the blue, with no previous history or warning that it was coming, I'd be pretty peeved if my insurers were obliged to pay a tp claim.
In that case automaton defence would be OK. It's been heavily abused in the past where it was tenuous at best and just dragged claims out for no good reason. The Spruce goose said:
does it make any difference if the handbrake was off and too close to the other car, for example, in accidents like this?
Wifey was stationary, auto box in N, handbrake on, about 1/2 car length from van in front. 3 ton of van at 35mph has some energy! Bent the shell of her grand cherokee, pushed her into 10yo transit which pushed its rear doors in and mangled the rear door frame to make it b.e.r.Back to my original question. I take it this is more likely to be an admin cockup then rather than them now contesting the facts/claim?
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