Non Fault MUST be labelled as Fault
Discussion
About a month ago I had a Non Fault accident as a named driver on my GFs car (someone ran into the back of us).
Third party immediately admitted liability, their insurers immediately admitted liability over text message and left multiple voicemails confirming this.
RIghtly or wrongly we claimed through our own insurers and provided crystal clear dashcam evidence showing this as non fault.
I've since been marked down as having an AT FAULT claim against me along with the resulting increased cost of my motorcycle insurance renewal which happened shortly after.
The car was fully repaired and back with us within approximately two weeks and the hire car (standard Corsa) was used for just under a week.
Throughout all of this I was given the line about it being "standard procedure" and "yes, we're legally required to log it as such" but wouldn't go any further on that.
Having worked in customer services in the financial sector years ago this sounded very much like it was made up - the legal part.
What I would like to know is that is this actually true?
Are the insurers legally FORCED to log this as AT FAULT until the "costs are recovered"?
Or, is it merely them running their usual racket and not taking individual cases into account?
I know full well that this SHOULD be changing to NON FAULT once the "costs are recovered" but was also told this can take 6 months. So I would be paying considerably higher costs had multiple policies renewed in that time.
Third party immediately admitted liability, their insurers immediately admitted liability over text message and left multiple voicemails confirming this.
RIghtly or wrongly we claimed through our own insurers and provided crystal clear dashcam evidence showing this as non fault.
I've since been marked down as having an AT FAULT claim against me along with the resulting increased cost of my motorcycle insurance renewal which happened shortly after.
The car was fully repaired and back with us within approximately two weeks and the hire car (standard Corsa) was used for just under a week.
Throughout all of this I was given the line about it being "standard procedure" and "yes, we're legally required to log it as such" but wouldn't go any further on that.
Having worked in customer services in the financial sector years ago this sounded very much like it was made up - the legal part.
What I would like to know is that is this actually true?
Are the insurers legally FORCED to log this as AT FAULT until the "costs are recovered"?
Or, is it merely them running their usual racket and not taking individual cases into account?
I know full well that this SHOULD be changing to NON FAULT once the "costs are recovered" but was also told this can take 6 months. So I would be paying considerably higher costs had multiple policies renewed in that time.
Ask your car/bike insurer what the premiums would be WITHOUT the fault claim, and then add that extra cost to the uninsured losses claim against the 3rd party.
I really hope it is sorted in 6 months, but if there's anything contentious in the claim be prepared for a much longer wait (over 18 months in my case).
I really hope it is sorted in 6 months, but if there's anything contentious in the claim be prepared for a much longer wait (over 18 months in my case).
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