Insurance Claim
Discussion
I wonder if anybody here can help with this.
December 10 last year a car skidded on ice and collided with the front of my house. The driver didn't stop but my neighbour took his registration number and a description of the car. As he had left the scene I had to claim from my house insurance claim so that they could in turn claim from the driver. I had already checked online that the car was insured.
I then wrote to the DVLA who supplied the registered keepers address which low and behold was near to me. I visited his home and although he wasn't home he called me that evening and accepted responsibility. He said he would inform his insurers the next day.
I spoke with the loss adjuster yesterday for an update and it seems that the RK's insurers have simply written back to him saying that they know nothing about the accident as their insured had not informed them. The loss adjuster asked me to get a written witness statement from my neighbour which I now have.
I'm wondering whether to send the RK a letter before action or is there any other way to get him to start a claim. It looks as if he hasn't claimed for the damage to his car, there must be some as I still have the remains of his headlight.
PH managed to help me trace the car -https://www.pistonheads.com/gassing/topic.asp?h=0&f=23&t=1712104
December 10 last year a car skidded on ice and collided with the front of my house. The driver didn't stop but my neighbour took his registration number and a description of the car. As he had left the scene I had to claim from my house insurance claim so that they could in turn claim from the driver. I had already checked online that the car was insured.
I then wrote to the DVLA who supplied the registered keepers address which low and behold was near to me. I visited his home and although he wasn't home he called me that evening and accepted responsibility. He said he would inform his insurers the next day.
I spoke with the loss adjuster yesterday for an update and it seems that the RK's insurers have simply written back to him saying that they know nothing about the accident as their insured had not informed them. The loss adjuster asked me to get a written witness statement from my neighbour which I now have.
I'm wondering whether to send the RK a letter before action or is there any other way to get him to start a claim. It looks as if he hasn't claimed for the damage to his car, there must be some as I still have the remains of his headlight.
PH managed to help me trace the car -https://www.pistonheads.com/gassing/topic.asp?h=0&f=23&t=1712104
Just follow the process your lost adjuster sets out. Since RK hasn't admitted it to his insurance company, you will need to prove it. Good evidence should make court unnecessary. Getting your neighbours witness statement is your first step and the sooner the better to give it maximum weight. You should make notes of your own.
4x4Tyke said:
Just follow the process your lost adjuster sets out. Since RK hasn't admitted it to his insurance company, you will need to prove it. Good evidence should make court unnecessary. Getting your neighbours witness statement is your first step and the sooner the better to give it maximum weight. You should make notes of your own.
Yes I have notes right from the star. I was thinking of calling the guy again this evening and recording the call?His interest and his insurance companies interests align in this matter and both have a stake in the game. His excess and the balance of the full claim. There is probably a clause in his policy requiring reasonable cooperation. Therefore following/assisting the adjuster is more advisable than do nothing.
Gavia said:
Your home insurer should be sorting this all out. You have nothing to do, they paid out and it’s down to them to recover their money.
Very true but this is also costing me money for something which was clearly not my fault. Firstly I’ve paid £250 excess but more importantly my home insurance renewal came in 20% higher due to the claim and loss of no claims bonus. I tried shopping around but that’s difficult with an outstanding claim.
I want the bar steward to deal with this. I’m wondering if I could sue him for the excess and increased premium?
Sorry to hear.
In a similar story one of our neighbours did exactly the same to my Mrs's, only difference is they left a note in a zip lock bag on the windscreen.
We exchanged a few texts yesterday and today I'm going down to speak to them, I think it's one of the older ladies on the road!
I was very pleasantly surprised , likewise I have had my own car hit and no note left which was infuriating.
I'd leave the leg work to the insurance companies, that's what you pay them for.
In a similar story one of our neighbours did exactly the same to my Mrs's, only difference is they left a note in a zip lock bag on the windscreen.
We exchanged a few texts yesterday and today I'm going down to speak to them, I think it's one of the older ladies on the road!
I was very pleasantly surprised , likewise I have had my own car hit and no note left which was infuriating.
I'd leave the leg work to the insurance companies, that's what you pay them for.
bad company said:
Very true but this is also costing me money for something which was clearly not my fault.
Firstly I’ve paid £250 excess but more importantly my home insurance renewal came in 20% higher due to the claim and loss of no claims bonus. I tried shopping around but that’s difficult with an outstanding claim.
I want the bar steward to deal with this. I’m wondering if I could sue him for the excess and increased premium?
You’re doing too much and starting to risk getting it wrong and jeopardising any chance to recover the outlay at all. Firstly I’ve paid £250 excess but more importantly my home insurance renewal came in 20% higher due to the claim and loss of no claims bonus. I tried shopping around but that’s difficult with an outstanding claim.
I want the bar steward to deal with this. I’m wondering if I could sue him for the excess and increased premium?
You should just be ringing yourinsurer and telling them to resolve it and that’s it.
NCD is a total gimmick in home Insurance and not offered by many insurers as there’s no need for it. How much do you pay a year? 20% on mine would be about £20 on a decent sized 4 bed detached with accidental cover so hardly a bank breaker.
You can not sure for the increased premium and this has been done to death on here many, many times. If you sue for the excess alone than your insurer can not recover their outlay as you’ve stated the loss as your excess only, hence why I’m saying you’re going to get it wrong.
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