Hit by disqualified driver
Discussion
saaby93 said:
Which insurance paid out in the end?
Was the legal company the one provided by your insurance?
Ta
The write off money has been provided by my insurance company. I then had a letter from them last week saying they have written to the other insurance company to get them to admit liability.Was the legal company the one provided by your insurance?
Ta
The legal company is the insurance company one, yes.
Update (for anyone who is interested) and also a question.
The insurance company who insured the car that the chap rammed me in has admitted liability, and my insurance company are now pursuing them for the relevant monetary compensation. Good news as it means I get my excess etc back. I also assumed that this meant my no claims would be back up to three years and I would be able to protect it come renewal time in August. Not so, apparently.
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Now, my question for the PH crew is this - can they do this? I suppose i'll need to take a look through my insurance t & c's but I thought that because the accident wasn't my fault, and the other insurance company admit liability and will pay out, then I shouldn't suffer any losses on my ncd. Or am I totally wrong and they can indeed do this?
Just think this is a bit odd because something has happened that isn't my fault and I will suffer for it. I know i'll suffer in terms of renewal costs, but didn't think this would affect my ncd etc. I'm going to argue this with them if they do try to take a couple of years ncd off me, but just thought I'd check around before making a fool of myself.
Thanks all
The insurance company who insured the car that the chap rammed me in has admitted liability, and my insurance company are now pursuing them for the relevant monetary compensation. Good news as it means I get my excess etc back. I also assumed that this meant my no claims would be back up to three years and I would be able to protect it come renewal time in August. Not so, apparently.
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Now, my question for the PH crew is this - can they do this? I suppose i'll need to take a look through my insurance t & c's but I thought that because the accident wasn't my fault, and the other insurance company admit liability and will pay out, then I shouldn't suffer any losses on my ncd. Or am I totally wrong and they can indeed do this?
Just think this is a bit odd because something has happened that isn't my fault and I will suffer for it. I know i'll suffer in terms of renewal costs, but didn't think this would affect my ncd etc. I'm going to argue this with them if they do try to take a couple of years ncd off me, but just thought I'd check around before making a fool of myself.
Thanks all
funkyrobot said:
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Usually theyd keep it at 3 until they have the funds from the other insurerNot heard of 1 before
saaby93 said:
funkyrobot said:
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Usually theyd keep it at 3 until they have the funds from the other insurerNot heard of 1 before
I just don't understand how they can do this when liability has been admitted by the other party.
Oh well, I won't let them take the piss without a fight.
I doubt i'll be renewing with them in August but I don't want them ruining by ncd.Hi OP,
Thanks for update usually the ncb won't be re-instated until all funds have been recovered from TP insurer, although they have admitted liability they may start to drag their feet over how much the claims has cost only when the claim has been finalised will the NCB be re instated at this point you should have all the ncb re instated if it non fault there is no reason why you wouldnt have them back.
Feel free to PM if you want me to have a look im not in claims however any problems with ncb i can query if needs be.
Thanks for update usually the ncb won't be re-instated until all funds have been recovered from TP insurer, although they have admitted liability they may start to drag their feet over how much the claims has cost only when the claim has been finalised will the NCB be re instated at this point you should have all the ncb re instated if it non fault there is no reason why you wouldnt have them back.
Feel free to PM if you want me to have a look im not in claims however any problems with ncb i can query if needs be.
funkyrobot said:
Update (for anyone who is interested) and also a question.
The insurance company who insured the car that the chap rammed me in has admitted liability, and my insurance company are now pursuing them for the relevant monetary compensation. Good news as it means I get my excess etc back. I also assumed that this meant my no claims would be back up to three years and I would be able to protect it come renewal time in August. Not so, apparently.
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Now, my question for the PH crew is this - can they do this? I suppose i'll need to take a look through my insurance t & c's but I thought that because the accident wasn't my fault, and the other insurance company admit liability and will pay out, then I shouldn't suffer any losses on my ncd. Or am I totally wrong and they can indeed do this?
Just think this is a bit odd because something has happened that isn't my fault and I will suffer for it. I know i'll suffer in terms of renewal costs, but didn't think this would affect my ncd etc. I'm going to argue this with them if they do try to take a couple of years ncd off me, but just thought I'd check around before making a fool of myself.
Thanks all
Yes, it is a no claim bonus, not a no blame bonus......The insurance company who insured the car that the chap rammed me in has admitted liability, and my insurance company are now pursuing them for the relevant monetary compensation. Good news as it means I get my excess etc back. I also assumed that this meant my no claims would be back up to three years and I would be able to protect it come renewal time in August. Not so, apparently.
My insurance company have advised me that even though liability has been admitted by the other party, because I have made a claim they may not be resetting my 3 years ncd. Instead I will lose a few years and be back to 1.
Now, my question for the PH crew is this - can they do this? I suppose i'll need to take a look through my insurance t & c's but I thought that because the accident wasn't my fault, and the other insurance company admit liability and will pay out, then I shouldn't suffer any losses on my ncd. Or am I totally wrong and they can indeed do this?
Just think this is a bit odd because something has happened that isn't my fault and I will suffer for it. I know i'll suffer in terms of renewal costs, but didn't think this would affect my ncd etc. I'm going to argue this with them if they do try to take a couple of years ncd off me, but just thought I'd check around before making a fool of myself.
Thanks all
Hence why you can opt (as I have done) to pay extra to protect your bonus at renewal time...(although this does not usually stop your premiums increasing a little)
ZOLLAR said:
Hi OP,
Thanks for update usually the ncb won't be re-instated until all funds have been recovered from TP insurer, although they have admitted liability they may start to drag their feet over how much the claims has cost only when the claim has been finalised will the NCB be re instated at this point you should have all the ncb re instated if it non fault there is no reason why you wouldnt have them back.
Feel free to PM if you want me to have a look im not in claims however any problems with ncb i can query if needs be.
Thanks Zollar Thanks for update usually the ncb won't be re-instated until all funds have been recovered from TP insurer, although they have admitted liability they may start to drag their feet over how much the claims has cost only when the claim has been finalised will the NCB be re instated at this point you should have all the ncb re instated if it non fault there is no reason why you wouldnt have them back.
Feel free to PM if you want me to have a look im not in claims however any problems with ncb i can query if needs be.
It had gone very quiet so I made a few calls every so often just for updates. I had a letter last night saying they are pursuing compensation from the other insurance company. When I called my insurer they said that liability had been admitted etc, that's when I asked about things returning to normal.
I guess we'll see what happens. I'll keep you posted anyway and may send you a PM if things start to go a bit silly. Thanks again.
Update for you all.
Due to 3rd party admitting fault I didn't lose my NCD, which is good news.
Hadn't heard anything more about getting my excess back so called insurance company in August. They informed me that their legal company/dept hadn't received any paperwork or authorisation to chase up the owed money. So, had to start this process again (I wasn't very happy).
Didn't hear anything for another few months so called insurance company again in October. Was informed that despite my insurance company sending paperwork etc over to legal company, they still hadn't received anything and were none the wiser. I was very very unhappy with this.
So, the process was started again!!
Received a letter last week saying the legal company need me to sign an 'agreement' document. This will give them permission to pursue the money owed to me (and the insurance company, who still haven't been paid) directly from the chap who crashed into me. I'm awaiting this form to sign and that should be it, apparently.
All I can say at this moment is that the level of service provided by the legal company is shockingly bad. It's getting to the point now where I shall have to write another stupid email/letter to my insurance company, outlining, once again, how useless the legal company have been.
It really has turned into a farce, this claim process. I hope I never have another incident like this!
Due to 3rd party admitting fault I didn't lose my NCD, which is good news.
Hadn't heard anything more about getting my excess back so called insurance company in August. They informed me that their legal company/dept hadn't received any paperwork or authorisation to chase up the owed money. So, had to start this process again (I wasn't very happy).
Didn't hear anything for another few months so called insurance company again in October. Was informed that despite my insurance company sending paperwork etc over to legal company, they still hadn't received anything and were none the wiser. I was very very unhappy with this.
So, the process was started again!!
Received a letter last week saying the legal company need me to sign an 'agreement' document. This will give them permission to pursue the money owed to me (and the insurance company, who still haven't been paid) directly from the chap who crashed into me. I'm awaiting this form to sign and that should be it, apparently.
All I can say at this moment is that the level of service provided by the legal company is shockingly bad. It's getting to the point now where I shall have to write another stupid email/letter to my insurance company, outlining, once again, how useless the legal company have been.
It really has turned into a farce, this claim process. I hope I never have another incident like this!
This awful case last week - http://www.guardian.co.uk/uk/2010/nov/18/lorry-dri...
Dennis Putz, 51, was over the legal drink-drive limit when he hit City public relations director Catriona Patel as he accelerated away from traffic lights outside Oval tube station in south London in June last year.
Putz has a series of criminal convictions for offences including drink-driving and has been caught 20 times driving an HGV while disqualified.
How could he possibly have got a driving job with that history ?
Dennis Putz, 51, was over the legal drink-drive limit when he hit City public relations director Catriona Patel as he accelerated away from traffic lights outside Oval tube station in south London in June last year.
Putz has a series of criminal convictions for offences including drink-driving and has been caught 20 times driving an HGV while disqualified.
How could he possibly have got a driving job with that history ?
Aemrica, where I live, is slightly different so my knowledge of current UK insurance is limited.
However, I would have thought if the driver that hit you was not the vehicle owner, then you should be suing the owner as they were allowing a disqualified driver to use it.
Secondly, if the driver works in the same business as you and still drives to work, your employer could also be be liable if they had been informed or knew that the driver has no license before the accident. I assume that all staff provide their personal details upon start of employment.
Whatever it takes to get your money back is the road you should take.
However, I would have thought if the driver that hit you was not the vehicle owner, then you should be suing the owner as they were allowing a disqualified driver to use it.
Secondly, if the driver works in the same business as you and still drives to work, your employer could also be be liable if they had been informed or knew that the driver has no license before the accident. I assume that all staff provide their personal details upon start of employment.
Whatever it takes to get your money back is the road you should take.
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