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.
A recent claim from a named driver was decided in exactly 1 week, though I was able to obtain CCTV to support. Same insurer for both parties, associated with a battle.
It was not on a roundabout but was also a case of failure to give way.
Strangely enough I witnessed a collision on 17th Jan. I was only contacted 8 days later by a naval themed insurer asking for a statement, so assume that was going to take longer, despite being very clear cut IMO.
It was not on a roundabout but was also a case of failure to give way.
Strangely enough I witnessed a collision on 17th Jan. I was only contacted 8 days later by a naval themed insurer asking for a statement, so assume that was going to take longer, despite being very clear cut IMO.
7 months and counting on mine. My insurance company is taking the other one to court.
They have never challenged or sought to clarify my reporting of events. Nor have they told me what the other driver said. Other than they deny fault.
I would have expected some sort of he said/she said discussion beforehand to try and test the reliability of both sides description of events before it got to court.
They have never challenged or sought to clarify my reporting of events. Nor have they told me what the other driver said. Other than they deny fault.
I would have expected some sort of he said/she said discussion beforehand to try and test the reliability of both sides description of events before it got to court.
We had someone go into the back of us on the motorway in stop-start traffic. It took almost a year for the insurance companies to sort it out, despite the fact we had front and rear dashcam video that proved the idiot that hit us to be 100% at fault.
Car insurance companies are nobody's friend, I hate them with a passion.
Car insurance companies are nobody's friend, I hate them with a passion.
My non fault took 14 months to sort,although officially I still don’t know it’s been settled as the insurance or their solicitor haven’t had the decency to contact me to keep me informed.Took me to ring the solicitor a few months back to see what was happening and they told me then.
3rd party refused to pay up until the court date. What was the non-fault? Someone dropped a mini digger on the back of our legally parked car. Not exactly disputable 😂
3rd party refused to pay up until the court date. What was the non-fault? Someone dropped a mini digger on the back of our legally parked car. Not exactly disputable 😂
I was sideswiped by a Lithuanian hgv on the A1 about 3 yrs ago. I was passing in L2 and he pulled out into me, changing lanes.
Clearly not my fault. Insurer settled promptly enough but it took 2 yrs to persuade the HGV co to accept liability. Starting court proceedings seemed to do the trick. So I had to declare it as a fault claim and pay two yrs of higher premiums for an accident that was not my fault. Hey ho.
Clearly not my fault. Insurer settled promptly enough but it took 2 yrs to persuade the HGV co to accept liability. Starting court proceedings seemed to do the trick. So I had to declare it as a fault claim and pay two yrs of higher premiums for an accident that was not my fault. Hey ho.
swansea v6 said:
I do have an update of sorts. The other parties insurance company offered up 50/50 liability, to which my insurer said no way, so now we are awaiting a court date...absolutely incredible waste of time.
And just so wrong -that agreement should be behind the scenes as I said previously.Your Insurer shouldn't be making you wait this long for a resolution.
If you didn't contact their complaints dept then you absolutely need to but given that length of time I would now be emailing their CEO and ask him to get his Executive team to look into !
AyBee said:
Car hit while parked with nobody in it - took a year and threats of it going to court before it got sorted! There really should be something in place that stops people taking the piss.
Years ago I was rear-ended on a DC by a t
t in a people carrier (had his kids in the car!) who bombed up behind me, tailgated me, then was too impatient to wait for me to get out of his way.He tried it on all the way to court (which was down near him - cost me a whole day off work plus a tank of fuel), and whilst the court found in my favour he lost f
k all from the situation except an hour or two of his time and it cost me shed loads in the costs on the court day plus higher premiums until the court date. No punishment, no additional loss, no incentive NOT to try it on. fker even had the gall to over his hand at the end and say "well done mate" as if it was a fking game!!!havoc said:
Years ago I was rear-ended on a DC by a t
t in a people carrier (had his kids in the car!) who bombed up behind me, tailgated me, then was too impatient to wait for me to get out of his way.He tried it on all the way to court (which was down near him - cost me a whole day off work plus a tank of fuel), and whilst the court found in my favour he lost f
k all from the situation except an hour or two of his time and it cost me shed loads in the costs on the court day plus higher premiums until the court date. No punishment, no additional loss, no incentive NOT to try it on. fker even had the gall to over his hand at the end and say "well done mate" as if it was a fking game!!!Im a cop. I genuinely wouldnt support a prosecution if I was a victim outside of work. I'd have to think long and hard about giving a witness statement outside of work as well.
Cycle accident in October 2025, they appear to have made a offer under section 36 ,the solicitor said they can take up to 3 years to pay personal injury claims.
P.s I was pulling away at a junction 300 yds from my house and the driver behind seemed to forgive and knocked me off, they had stopped and waited for me to pull away
P.s I was pulling away at a junction 300 yds from my house and the driver behind seemed to forgive and knocked me off, they had stopped and waited for me to pull away
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