Ever feel like the system is against you?

[mk85]

A while back, someone hit my van whilst it was parked. He managed to open his door whilst reversing, causing damage down pretty much the entire side of my van.

He initially offered to settle it privately rather than go through the insurance, which I was happy to do. He then proceeded to blank me before eventually telling me he wasn't going to do anything about it.

Fine, I'll just let my insurance deal with it.

The repair was poor at best, and to make matters worse, Enterprise charged me for the hire van and told me I'd have to claim the money back. My insurance initially told me they wouldn't be paying for it, and it took three months to finally get that sorted.

And now I get this...

I've spoken to my insurance company, and apparently the other driver is refusing to cooperate with his own insurance company. As a result, my insurance is having to cover the costs whilst they attempt to recover the money, with the potential for it to affect my own premium.

So, just to summarise:

- My van was parked.
- Someone else drove into it.
- He offered to pay, then refused.
- I ended up with a poor repair.
- I spent three months chasing money for a hire van.
- And now I'm potentially going to be financially penalised because the person responsible refuses to cooperate.

Absolutely unbelievable.

You pay thousands of pounds in insurance over the years, and when you actually need it, through absolutely no fault of your own, you seem to be the one who ends up getting shafted.

Has anyone else had a similar experience? How is it that the person who caused the accident can simply refuse to cooperate, yet the innocent party is left dealing with all the hassle and potentially higher premiums?

[V8forweekends]

There is definitely way too much incentive to be a lying useless scrote in the country vs trying to do the right thing.

[Countdown]

I think the second part of your issue (ie having to assist your insurance company to recover their costs from the other party) is quite normal.

[alfabeat]

Did you use an accident management company?

Do you have good proof that it was the other drivers fault? Any witnesses?

[mk85]

Supplied at the time a video of him admiting fault and explaining how he caused the damage.

alfabeat said:

Did you use an accident management company?

Do you have good proof that it was the other drivers fault? Any witnesses?

[mk85]

What i find frustrating is that if they want to attend court It's have to go and give a statement. Ive been asked that if I attend i have to supply tax returns (self employed) and prove where and what I would be doing on said day of court no date set yet.

Ive supplied photos of the damage and a full video of the guy explaining how the damage was caused screen shots of our communication and then his decision to not help.

Frustrating to say the least

Countdown said:

I think the second part of your issue (ie having to assist your insurance company to recover their costs from the other party) is quite normal.