Friend had an Accident, Insurance won’t Pay
Discussion
Last week a friend of mine had an Accident, she went into the back of a stationary car and pushed the car she hit into the 2nd car ahead.
She had only had the insurance policy one week and passed her test a month ago....
The car she hit has a broken rear bumper and damage seemed very minimal from the pictures (the lad drove off after exchanging numbers). However her car came off much worse (airbags etc) and has been written off and has been taken by the insurance company on a flatbed .
The guy she hit then calls a week later claiming whiplash and £3000.
She really doesn’t know much about cars or insurance to be honest, but she says the insurance company are refusing to replace her car or pay out, they are just covering the car she hit. Now I thought Comprehensive insurance Covered both the car she hit and HER car, the strange thing is the insurance company sent her an automated email earlier with some kind of a car broker offering her a replacement car! Is this correct or are they just pulling a fast one?
The next thing is, will she still be insured by the company for the rest of the year now she’s had the accident? She paid 1k+ just 1 week ago. I’ve already told her there’s no chance of renewal at the end of the year!
Any help appreciated.
She had only had the insurance policy one week and passed her test a month ago....
The car she hit has a broken rear bumper and damage seemed very minimal from the pictures (the lad drove off after exchanging numbers). However her car came off much worse (airbags etc) and has been written off and has been taken by the insurance company on a flatbed .
The guy she hit then calls a week later claiming whiplash and £3000.
She really doesn’t know much about cars or insurance to be honest, but she says the insurance company are refusing to replace her car or pay out, they are just covering the car she hit. Now I thought Comprehensive insurance Covered both the car she hit and HER car, the strange thing is the insurance company sent her an automated email earlier with some kind of a car broker offering her a replacement car! Is this correct or are they just pulling a fast one?
The next thing is, will she still be insured by the company for the rest of the year now she’s had the accident? She paid 1k+ just 1 week ago. I’ve already told her there’s no chance of renewal at the end of the year!
Any help appreciated.
charltjr said:
Doesn’t add up, there is no way this would happen with a fully comp policy. Someone along the line is confused, leaving out information or just plain making stuff up.
Agreed. Sounds like she's only got TPO or TPFT. The car broker offer could simply be because they know she needs to buy another one now. Doesn't really reflect the coverage she has. charltjr said:
Doesn’t add up, there is no way this would happen with a fully comp policy. Someone along the line is confused, leaving out information or just plain making stuff up.
I’m leaving her personal information out, that’s why it may seem a bit strangely written!But basically it’s her fault, she crashed into someone, but the insurance won’t cover her, Just the person she hit.
I agree with you I was very surprised when she said they wouldn’t cover her. They have just basically said as it’s your fault you aren’t covered!
Can you redact her personal information and upload a copy of the insurance certificate?
What is the broker / underwriter ?
Have you perhaps spoken to the insurance company on her behalf?
From the info provided it sounds so undeniably wrong that some huge piece of information is missing.
Wrongly set up insurance/license state?
Modified car?
What is the broker / underwriter ?
Have you perhaps spoken to the insurance company on her behalf?
From the info provided it sounds so undeniably wrong that some huge piece of information is missing.
Wrongly set up insurance/license state?
Modified car?
I believe that the policy terminates with the write off and no refunds. If they are replacing the car with a like model then that seems fine to me. It comes down to how much her car was worth and what is in the small print regarding total loss. We don't have enough information to know.
xjay1337 said:
Can you redact her personal information and upload a copy of the insurance certificate?
What is the broker / underwriter ?
Have you perhaps spoken to the insurance company on her behalf?
From the info provided it sounds so undeniably wrong that some huge piece of information is missing.
Wrongly set up insurance/license state?
Modified car?
Car was a completely unmodified, standard Punto 1.2. What is the broker / underwriter ?
Have you perhaps spoken to the insurance company on her behalf?
From the info provided it sounds so undeniably wrong that some huge piece of information is missing.
Wrongly set up insurance/license state?
Modified car?
I will speak with her tomorrow in more depth about it, and whether she’s happy with me posting a copy of it. Il be honest she really is clueless about all this kind of stuff! From what I can see it seems to be a fairly standard FC policy.
Ekona said:
xjay1337 said:
Countdown said:
Was the pre-accident market value of the car less than the excess?
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