Money Claim regarding an accident
Discussion
Hope someone can help.
My mother was visiting her mother in a nursing home and on leaving hit a parked car. She was very upset at the time and not thinking very clear so someone else took photos with my mums phone and they exchanged phone numbers.
Mum said she had tried to call the other person but couldn’t get through so I tried and realised mum had got the number mixed up. I then rang the women and gave my mums car insurance details and told her if she had any problems to come back to me as mum was not well and it looked like she had dementia.
I have checked mums emails and we have an email from her insurance quoting they were holding mum responsible for the accident and that she would have to pay the excess. This was back in August and not heard a thing, I have checked all her emails, obviously I can’t check any post she may have had but the letter about the excess says communication will be by email.
Roll on to yesterday and mum received a money claim for £4836 for interest, legal fees and insurers outlay from the owner of the vehicle the husband of the driver.
Now I agree that mum is forgetful and and not altogether at the moment but surely the insurance company should be the ones dealing with this. I have checked on Mid and mums car is still insured with her as named driver on dads policy. They should have also told me that they had not heard anything about the claim in months as well.
We will call insurance company on Monday but any help appreciated.
Thanks
My mother was visiting her mother in a nursing home and on leaving hit a parked car. She was very upset at the time and not thinking very clear so someone else took photos with my mums phone and they exchanged phone numbers.
Mum said she had tried to call the other person but couldn’t get through so I tried and realised mum had got the number mixed up. I then rang the women and gave my mums car insurance details and told her if she had any problems to come back to me as mum was not well and it looked like she had dementia.
I have checked mums emails and we have an email from her insurance quoting they were holding mum responsible for the accident and that she would have to pay the excess. This was back in August and not heard a thing, I have checked all her emails, obviously I can’t check any post she may have had but the letter about the excess says communication will be by email.
Roll on to yesterday and mum received a money claim for £4836 for interest, legal fees and insurers outlay from the owner of the vehicle the husband of the driver.
Now I agree that mum is forgetful and and not altogether at the moment but surely the insurance company should be the ones dealing with this. I have checked on Mid and mums car is still insured with her as named driver on dads policy. They should have also told me that they had not heard anything about the claim in months as well.
We will call insurance company on Monday but any help appreciated.
Thanks
buddyspire said:
I have checked mums emails and we have an email from her insurance quoting they were holding mum responsible for the accident and that she would have to pay the excess.
That's wrong for a start. If the only damage was to the other person's car, there is no excess to pay. I was involved in a bump at a roundabout a couple of years ago, and the same happened to me. Thought it was all being settled via insurance, then out of the blue I get a letter from the other persons insurance company asking me to stump up several thousand.
I think this is common practice, to get you to jiggle along your own insurance company to settle the outstanding claims.
I think this is common practice, to get you to jiggle along your own insurance company to settle the outstanding claims.
TwigtheWonderkid said:
That's wrong for a start. If the only damage was to the other person's car, there is no excess to pay.
The excess was with reference to her car if she was having that repaired. The main point was that the insurance company had confirmed they had been notified. See what insurance say tomorrow.buddyspire said:
Hope someone can help.
My mother was visiting her mother in a nursing home and on leaving hit a parked car. She was very upset at the time and not thinking very clear so someone else took photos with my mums phone and they exchanged phone numbers.
Mum said she had tried to call the other person but couldn’t get through so I tried and realised mum had got the number mixed up. I then rang the women and gave my mums car insurance details and told her if she had any problems to come back to me as mum was not well and it looked like she had dementia.
I have checked mums emails and we have an email from her insurance quoting they were holding mum responsible for the accident and that she would have to pay the excess. This was back in August and not heard a thing, I have checked all her emails, obviously I can’t check any post she may have had but the letter about the excess says communication will be by email.
Roll on to yesterday and mum received a money claim for £4836 for interest, legal fees and insurers outlay from the owner of the vehicle the husband of the driver.
Now I agree that mum is forgetful and and not altogether at the moment but surely the insurance company should be the ones dealing with this. I have checked on Mid and mums car is still insured with her as named driver on dads policy. They should have also told me that they had not heard anything about the claim in months as well.
We will call insurance company on Monday but any help appreciated.
Thanks
When you got hold of the 3rd party the only thing you needed to do was exchange name, address and reg no. There is no requirement to exchange insurance details. You should leave it at that and report it to your insurance co and let them deal with it, if your mother is not claiming for her own damage there is no excess to payMy mother was visiting her mother in a nursing home and on leaving hit a parked car. She was very upset at the time and not thinking very clear so someone else took photos with my mums phone and they exchanged phone numbers.
Mum said she had tried to call the other person but couldn’t get through so I tried and realised mum had got the number mixed up. I then rang the women and gave my mums car insurance details and told her if she had any problems to come back to me as mum was not well and it looked like she had dementia.
I have checked mums emails and we have an email from her insurance quoting they were holding mum responsible for the accident and that she would have to pay the excess. This was back in August and not heard a thing, I have checked all her emails, obviously I can’t check any post she may have had but the letter about the excess says communication will be by email.
Roll on to yesterday and mum received a money claim for £4836 for interest, legal fees and insurers outlay from the owner of the vehicle the husband of the driver.
Now I agree that mum is forgetful and and not altogether at the moment but surely the insurance company should be the ones dealing with this. I have checked on Mid and mums car is still insured with her as named driver on dads policy. They should have also told me that they had not heard anything about the claim in months as well.
We will call insurance company on Monday but any help appreciated.
Thanks
PisstNBroke said:
I've heard similar lump sum's being sent to peoples addresses rather than the insurance company.
The short end of it was the insurance company not paying out within a reasonable time period.
It seems this is the case, insurance company admitting its a tactic to get another insurance company to pay up. Seems very odd as its increased their costs by another £500 and put my parents through a whole load of stress for nothing.The short end of it was the insurance company not paying out within a reasonable time period.
megaphone said:
Has your mother now stopped driving? The insurance co may take a dim view if she's not able to deal with this herself, be careful what you say to them, that's if they'll actually speak to you.
She has now given up driving but back in August she was OK but unfortunately is getting worse very quickly and stress is a big driver.Edited by buddyspire on Monday 9th March 13:00
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