How long to settle insurance liability?
Discussion
Cut a long story short, in March 2025 I was indicating to exit a roundabout in Ashford when I was hit on my rear/passenger side by another vehicle entering the roundabout. We pulled in when safe and set about exchanging details, where she became aggressive and accused me of speeding, cutting lanes and looking like the car was stolen etc. After ensuring all details were correct (she did give me a wrong phone number but to check I made her ring me before leaving), we went on our merry way.
Three days later I receive a police letter asking for details as I had been reported for dangerous and reckless driving. Luckily this came to nothing once I explained what happened but my issue after all this time is she is trying to get 50/50 liability. I am at a loss to see how this could be, when she entered the roundabout and hit me? Unfortunately my camera does not pick up the crash but due to photo evidence you can see the damage backs up point of impact.
How long can an insurance claim actually take as its close to 12 months now and even when chasing I get nothing back from mine or the third party? I am assuming I may be collecting my pension before I get an update.....
Three days later I receive a police letter asking for details as I had been reported for dangerous and reckless driving. Luckily this came to nothing once I explained what happened but my issue after all this time is she is trying to get 50/50 liability. I am at a loss to see how this could be, when she entered the roundabout and hit me? Unfortunately my camera does not pick up the crash but due to photo evidence you can see the damage backs up point of impact.
How long can an insurance claim actually take as its close to 12 months now and even when chasing I get nothing back from mine or the third party? I am assuming I may be collecting my pension before I get an update.....
Shouldn’t take 10/12 months or anywhere close assuming the only thing being debated is the 50/50 element which in effect is done behind the scenes so to speak.
If you claimed off your Insurance then they are the only ones you should be chasing.
Not sure who you are chasing there but at the very least I’d be emailing their Complaints Dept and cc ‘ing the team speaking to you.
If you wanted to go full on nuclear then email their CEO but perhaps wait and see what complaints say.
If you claimed off your Insurance then they are the only ones you should be chasing.
Not sure who you are chasing there but at the very least I’d be emailing their Complaints Dept and cc ‘ing the team speaking to you.
If you wanted to go full on nuclear then email their CEO but perhaps wait and see what complaints say.
Insurance companies are like wheel barrows - they only go as fast as you push them
I work for a council, and I think they make even us look bad.
It took 11 months for a no fault accident on an island to get agreed. The resident insurance expert on here was sure it would go 50-50, but a witness behind me backed up my version of events.
And then there is the declaring it for 5 years.
My most recent non fault accident had to be declared on my wife's renewal (as I was named driver). Premium went up 50% as a direct result (ie renewal quote before vs renewal after she called them aboit it).
This is my "lived experience" with insurers, which is thankfully limited. Other people's will obviously vary.
I work for a council, and I think they make even us look bad.
It took 11 months for a no fault accident on an island to get agreed. The resident insurance expert on here was sure it would go 50-50, but a witness behind me backed up my version of events.
And then there is the declaring it for 5 years.
My most recent non fault accident had to be declared on my wife's renewal (as I was named driver). Premium went up 50% as a direct result (ie renewal quote before vs renewal after she called them aboit it).
This is my "lived experience" with insurers, which is thankfully limited. Other people's will obviously vary.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff