Third party's insurer says there are 'underwriting issues' ?
Discussion
My sister (TPFT) was hit by Mrs TP. Minor damage to her (my sister's) 9 year old Zafira. Scrape down both NS doors. She called Mrs TP's insurer (Tesco) a few days after accident, who said TP not reported accident. She called them again today, they want to inspect her car 'in quantum only' and mentioned policy holder is Mr TP. After asking if Mrs TP had accepted fault, they would only respond that there are underwriting issues. She then asked if Mrs TP was actually insured, and again they would only say 'there are underwriting issues'.
What's that likely to mean ? Paging LoonR1 !
FYI, sister offered Mrs TP to get fixed privately as damage is inexpensive, Mrs TP never replied...
What's that likely to mean ? Paging LoonR1 !
FYI, sister offered Mrs TP to get fixed privately as damage is inexpensive, Mrs TP never replied...
Red Devil said:
Euphemism for 'not insured'? If so, I imagine there could be a variety of reasons for that to happen.
In the worst case scenario. Best case is they need to clarify a few things first. They'll deal ultimately, but if you're willing to deal direct with them, they ought to pull their finger out and cover your repair on an RTA basis if nothing else. Unless the "underwriting issues" are huge and would've resulted in them not offering cover, although that's a battle in itself to get out of RTA obligations.
Underwriting issues can mean anything from undisclosed points to lying when taking policy out. If they refuse to deal with the claim you can then try to submit the claim against the motor insurers bureau make sure you have as much information as you have to let tesco deal as RTA first or provide reasons why they can't before you take your case to the MIB.
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