Are they bothered?!
Discussion
I had an accident in Aug 2003 - I hit a crash barrier on the A19. I called the police as there was debris on the carriage way and didnt want to cause a further accident. The police passed my details onto Autolink or whover it is looking after that stretch who eventually sent me a letter saying that if I wanted it to go through my insurance, I was to give them my details, else they would send the bill to me.
I waited for the bill, and heard no more until aug 2005.
Then, I received a letter from the motor insurance bureau saying I had been reported as an uninsured driver, could I please get in touch to resolve the issue. I got in touch and sent them proof from my insurance company that I was insured at the time of the incident.
I heard nothing for a while, so I rang them and they said they had a couple of week back log. That was end of september 2005, I have heard nothing since.
I have tried ringing again and there is no answer.
Do I take it they have dropped the issue as I have proven I was insured and it is now for autolink to take up with my inusrance company, or should I keep on at the MIB until I get some sort of a response?
Is there a time scale for which they can make a claim? It is now more than two and a half years after the incident - it was more than two years before the MIB comtacted me.
If they made a claim on my insurance, how does it work out? I am no longer with that company and no longer have that car (it was written off) - would it go down as being 2/3 years ago, or would I lose my no claims?
I waited for the bill, and heard no more until aug 2005.
Then, I received a letter from the motor insurance bureau saying I had been reported as an uninsured driver, could I please get in touch to resolve the issue. I got in touch and sent them proof from my insurance company that I was insured at the time of the incident.
I heard nothing for a while, so I rang them and they said they had a couple of week back log. That was end of september 2005, I have heard nothing since.
I have tried ringing again and there is no answer.
Do I take it they have dropped the issue as I have proven I was insured and it is now for autolink to take up with my inusrance company, or should I keep on at the MIB until I get some sort of a response?
Is there a time scale for which they can make a claim? It is now more than two and a half years after the incident - it was more than two years before the MIB comtacted me.
If they made a claim on my insurance, how does it work out? I am no longer with that company and no longer have that car (it was written off) - would it go down as being 2/3 years ago, or would I lose my no claims?
Similar thing happened to my son a few years back - had a blow out, spun and spread his 205 GTI along the barrier of the hard shoulder on the M4 near Newport.
Police were involved re recovery etc - I had a phonecall and got to the site as the recovery boys were loading his car on the wagon.
Had a look - didn't have a digi camera or phonecam back then - and could see there was very little, if any damage to the integraty of the barrier other some dirt that had been kick up from the 1m or so wide grass verge. Nearly all the damage to the car was suspension damage where a raised kerb (!!!!) just before the barrier had clouted the wheels.
Contacted the Police who confirmed verbally that no damage had been caused and the Highway Authority responsible for that bit of motorway who said that their inspector reports for that and the next day's routine inspection made no mention of any damage. Got the lady's name/position for the records.
Apparently it could take up to 6 months before we could be safe in the knowledge that no claim would be forthcoming for barrier repairs.
Spoke/wrote to the insurance company to inform them, pointed out that at this time this was not a claim and for information only.
His problem was two-fold - if the HA decided to make a claim there was no way he could afford to pay the expensive bill for replacing a crash barrier and would have to pass it on to the Insurance company and, in that case he may as well claim for the damage to the car as well - you can only lose your NCB once afterall can't you. If however there was no HA repair bill to pay and it was mechanical damage to the car a self-repair was possible.
The HA wouldn't give us written confirmation that no repairs were needed and his insurance was about to run out.
Travelled back to the crash site and took pics with a borrowed video - fortunately that stretch of road gets very busy at peak times so we could keep the speed down and get some good footage.
Decided it was worth repairing the car ourselves and not pushing a claim at that point.
On renewal the insurance company gave him the option - because there was a possible claim pending - of either; paying the premium in full and get a refund at a later date (12 months after the accident iirc) or taking the NCB discount but forfeiting the right to claim in future.
Having had verbal confirmation from HA that no damage had been reported and now video footage showing the scene a day or so after the accident (Date proved by holding a newspaper in frame) we felt confident we could counter any HA claim with the evidence we had and the argument that any damage was caused by someone else at a later date so he 'took' his NCB and we never heard any more about it.
BB
Police were involved re recovery etc - I had a phonecall and got to the site as the recovery boys were loading his car on the wagon.
Had a look - didn't have a digi camera or phonecam back then - and could see there was very little, if any damage to the integraty of the barrier other some dirt that had been kick up from the 1m or so wide grass verge. Nearly all the damage to the car was suspension damage where a raised kerb (!!!!) just before the barrier had clouted the wheels.
Contacted the Police who confirmed verbally that no damage had been caused and the Highway Authority responsible for that bit of motorway who said that their inspector reports for that and the next day's routine inspection made no mention of any damage. Got the lady's name/position for the records.
Apparently it could take up to 6 months before we could be safe in the knowledge that no claim would be forthcoming for barrier repairs.
Spoke/wrote to the insurance company to inform them, pointed out that at this time this was not a claim and for information only.
His problem was two-fold - if the HA decided to make a claim there was no way he could afford to pay the expensive bill for replacing a crash barrier and would have to pass it on to the Insurance company and, in that case he may as well claim for the damage to the car as well - you can only lose your NCB once afterall can't you. If however there was no HA repair bill to pay and it was mechanical damage to the car a self-repair was possible.
The HA wouldn't give us written confirmation that no repairs were needed and his insurance was about to run out.
Travelled back to the crash site and took pics with a borrowed video - fortunately that stretch of road gets very busy at peak times so we could keep the speed down and get some good footage.
Decided it was worth repairing the car ourselves and not pushing a claim at that point.
On renewal the insurance company gave him the option - because there was a possible claim pending - of either; paying the premium in full and get a refund at a later date (12 months after the accident iirc) or taking the NCB discount but forfeiting the right to claim in future.
Having had verbal confirmation from HA that no damage had been reported and now video footage showing the scene a day or so after the accident (Date proved by holding a newspaper in frame) we felt confident we could counter any HA claim with the evidence we had and the argument that any damage was caused by someone else at a later date so he 'took' his NCB and we never heard any more about it.
BB
I feel as though I am banging my head against a wall now.
I got a letter from the insurer I was with at time of accident saying they are processing the claim, that I will lose two years off my no claims unless I have less that two years in which case it resets to 0.
It seemed a standard letter ("you are a valued customer" etc, despite the fact I am no longer with them) so I phoned to query it and they didn't seem to know whether I lost two years no claims from the time of accident of the date of claim, but the girl presumed it was from date of accident.
I rang my new insurer to let them know of pending claim, and also to find out how it affected my insurance as my renewal was last week. They said they didn't know how it affected my no claims, that it would be up to my previous insurer, and that it would also depend on what they classified the claim as.
So, I rang previous insurer, who told me it was up to my new insurer to decide whether they would let me keep my no claims or not!
So, they are each saying it is up to the other. I have had my renewal through and I think it has gone up slightly, but there is nothin in the paper work which says what, if any, no claims I have. (I should have 2 years)
So I am still none the wiser as to whether I have two years no claims or zero no claims! How can it be fair for them to be claiming almost three years after the accident?! Apparently it is normal for 'companies' (in this case autolink) to be a bit slow on persuing claims, but how can it be fair for them to claim now and potentially take away the no claims I have built up since?! I don't deny the accident was my fault, but they didn't resolve it at the time!
I got a letter from the insurer I was with at time of accident saying they are processing the claim, that I will lose two years off my no claims unless I have less that two years in which case it resets to 0.
It seemed a standard letter ("you are a valued customer" etc, despite the fact I am no longer with them) so I phoned to query it and they didn't seem to know whether I lost two years no claims from the time of accident of the date of claim, but the girl presumed it was from date of accident.
I rang my new insurer to let them know of pending claim, and also to find out how it affected my insurance as my renewal was last week. They said they didn't know how it affected my no claims, that it would be up to my previous insurer, and that it would also depend on what they classified the claim as.
So, I rang previous insurer, who told me it was up to my new insurer to decide whether they would let me keep my no claims or not!
So, they are each saying it is up to the other. I have had my renewal through and I think it has gone up slightly, but there is nothin in the paper work which says what, if any, no claims I have. (I should have 2 years)
So I am still none the wiser as to whether I have two years no claims or zero no claims! How can it be fair for them to be claiming almost three years after the accident?! Apparently it is normal for 'companies' (in this case autolink) to be a bit slow on persuing claims, but how can it be fair for them to claim now and potentially take away the no claims I have built up since?! I don't deny the accident was my fault, but they didn't resolve it at the time!
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