Friend had an Accident, Insurance won’t Pay

Friend had an Accident, Insurance won’t Pay

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CJG98

Original Poster:

468 posts

77 months

Thursday 23rd November 2017
quotequote all
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.

anonymous-user

53 months

Thursday 23rd November 2017
quotequote all
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.

PistonBroker

2,406 posts

225 months

Thursday 23rd November 2017
quotequote all
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.

CJG98

Original Poster:

468 posts

77 months

Thursday 23rd November 2017
quotequote all
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!

Ekona

1,652 posts

201 months

Thursday 23rd November 2017
quotequote all
Indeed, something very wrong here. My first thoughts are that the policy was TPF&T rather than FC, as that's the only obvious situation where the insurer wouldn't pay out for damage to the insured.

pixelatedJH

225 posts

112 months

Thursday 23rd November 2017
quotequote all
Just to add - if that is the case that she has TP or TPFT cover, will the insurer be billing her for the recovery?

CJG98

Original Poster:

468 posts

77 months

Thursday 23rd November 2017
quotequote all
Ekona said:
Indeed, something very wrong here. My first thoughts are that the policy was TPF&T rather than FC, as that's the only obvious situation where the insurer wouldn't pay out for damage to the insured.
She’s sent me a copy of the insurance, it’s Fully Comprehensive

Drive Blind

5,076 posts

176 months

Thursday 23rd November 2017
quotequote all
somethings not adding up here

so they recovered her car and are offering a replacement car but won't fix her car? confused

need to get copies of the original insurance agreement out and read the detail.

Chimune

3,163 posts

222 months

Thursday 23rd November 2017
quotequote all
Not fully comp or not fully story....

xjay1337

15,966 posts

117 months

Thursday 23rd November 2017
quotequote all
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?

stevensdrs

3,208 posts

199 months

Thursday 23rd November 2017
quotequote all
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.

CJG98

Original Poster:

468 posts

77 months

Thursday 23rd November 2017
quotequote all
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.

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.

CJG98

Original Poster:

468 posts

77 months

Thursday 23rd November 2017
quotequote all
Thank You everyone for your responses, very helpful. I will go through everything with her tomorrow and get back to you with my findings, I agree something doesn’t quite add up, I am just taking her word for it. I have however seen a copy of the Policy and it is clearly a FC.




Eyersey1234

2,895 posts

78 months

Thursday 23rd November 2017
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If your friend is insured FC then I don't understand why her insurance company won't pay her the market value of the car

Countdown

39,690 posts

195 months

Thursday 23rd November 2017
quotequote all
Was the pre-accident market value of the car less than the excess?

xjay1337

15,966 posts

117 months

Thursday 23rd November 2017
quotequote all
Countdown said:
Was the pre-accident market value of the car less than the excess?
Ahhh that could well be it! :-)

Red 4

10,744 posts

186 months

Thursday 23rd November 2017
quotequote all
xjay1337 said:
Countdown said:
Was the pre-accident market value of the car less than the excess?
Ahhh that could well be it! :-)
.... and if she was paying by installment the insurers would want the full annual premium/ deduct it from any offer made for the car.

Ekona

1,652 posts

201 months

Friday 24th November 2017
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xjay1337 said:
Countdown said:
Was the pre-accident market value of the car less than the excess?
Ahhh that could well be it! :-)
Oooh, great shout.

TwigtheWonderkid

43,248 posts

149 months

Friday 24th November 2017
quotequote all
Ekona said:
xjay1337 said:
Countdown said:
Was the pre-accident market value of the car less than the excess?
Ahhh that could well be it! :-)
Oooh, great shout.
This. She was probably told she isn't covered for excess recovery or a hire car, and she's got confused. And yes, if her car value is below the excess, she gets nothing.

Dog Star

16,079 posts

167 months

Friday 24th November 2017
quotequote all
stevensdrs said:
I believe that the policy terminates with the write off and no refunds
You believe wrong.