insurance claim

[scoobyfuzzy]

right guys, have a slight problem, i hit another car about a month ago, gave the driver of the other cars ma name address and phone number and asked her to call me to sort it out, problem is, i hit the back of the other car, which puts me to blame automatically, but i didnt admit i was to blame at the time, so after it happen, the other driver has never been in touch with me about it, then today i recieved a letter from my insurance company say there may be a claim against me, phoned them to find out wot was happening, i said i didnt want it goin thru insurance companies as there was only a crack in the rear bumper of the other car, not worth the hassle just for a crack, was then told to phone the other insurance company to arrange that with then, so i phoned them, and to my surprise the repairs have already been carried out on the car, n im now due them over £800. []..... now surely the insurance company cannot go ahead with repairs until the ve at least been in touch with me or my insurance company?, or even until some1 accepts liabilty??????? anyone experts here know about insurance etc, or any advice etc.

where do i stand? do i now just have to pay the money, or would i be able to fight against it????

thanks in advance

fuzzy

[Boner]

Fight it m8

Im new here but had exactly the same issue a good few years ago and came out ontop no problem and i hit the back o the car invloved too.

Was the police called out to the accident? was the accident reported? did the other driver agree to not get insurance compnays invloved? was ther any witneses etc etc.

Say to your insuance not to pay a thing and write a letter to the other insurance comapny stating the facts and take it from there.

Took me a good 4-6 months but paid nothign and the insurnace company done most the work for me when i threatened to leave them for another company who looks after their customers.

Above all make sure your no claims is protected throughout.

Good luck

Boner 

[scoobyfuzzy]

police wasnt involved, and wasnt reported, never mentioned insurance companies, she ask who i insured with, but i wouldnt tell her, told her to phone me to sort it out, but she never contacted me once. as from witnesses, it was outside ma work, so a few of the guys i work with saw it., the repairs were carried out on the car before they even got in touch with my insurance company.

fuzzy

[Alan-G]

Fuzzy,

You didn't authorize the repair.

Her problem.

Unless however, at the time of this devastatingly dramatic and catastrophic collision (mild nudge) was anything signed?

Alan.

[Alan-G]

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the repairs were carried out on the car before they even got in touch with my insurance company.

fuzzy

Just a question, if you didn't tell her who you were insured with then, how did she find out ?

[scoobyfuzzy]

alan, nothing signed, and i didnt accept liabilty at the time, and never have.

fuzzy

[scoobyfuzzy]

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the repairs were carried out on the car before they even got in touch with my insurance company.

fuzzy

Just a question, if you didn't tell her who you were insured with then, how did she find out ?

i asked that to her insurance company aswell, they said it was found out by me name, and reg of the car.

fuzzy

[sheep]

If she gave her insurace company his number plate details they would be able to find what company he is with.

[Alan-G]

Hi Paul, yep understood - so she wrote down the number plate and obviously fuzzy's phone number.

Just as long as nothing was signed eh!

[sheep]

I dont know the ins and outs of the insurance game but dont most copmanies fix the cars belonging to them and then try to settle the dispute? I dont know if you can decide not to put it through the insurance if one owner wants to, even if the other doesnt.

[scoobyfuzzy]

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I dont know the ins and outs of the insurance game but dont most copmanies fix the cars belonging to them and then try to settle the dispute? I dont know if you can decide not to put it through the insurance if one owner wants to, even if the other doesnt.

not sure, but surely i should of been notified that the other person was trying to make a claim against me, and for her insurance company to get my side of the story, b4 anything was authorised, but in this case, the first i heard of it is when there demanded over £800 from me for the repairs

fuzzy

[scoobyfuzzy]

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I dont know the ins and outs of the insurance game but dont most copmanies fix the cars belonging to them and then try to settle the dispute? I dont know if you can decide not to put it through the insurance if one owner wants to, even if the other doesnt.

not sure, but surely i should of been notified that the other person was trying to make a claim against me, and for her insurance company to get my side of the story, b4 anything was authorised, but in this case, the first i heard of it is when there demanded over £800 from me for the repairs

fuzzy

n surely they would need me to agree to take it thru insurance companies, or ask me how i would like to deal with it, either thru the companies, or sort it out between ourselves, but i never got that option either.

fuzzy

[sheep]

It does sound very strange, but hopefully thats what you pay insurance for and your company will take it up with hers and you dont end up out of pocket in anyway. I dont know how they can now prove what the extent of the damage was if it has already been repaired?

[scoobyfuzzy]

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It does sound very strange, but hopefully thats what you pay insurance for and your company will take it up with hers and you dont end up out of pocket in anyway. I dont know how they can now prove what the extent of the damage was if it has already been repaired?

my insurance company says iv no option but to pay it

fuzzy

[david_taylor]

Just spoke to my mate, whos brothers a solicitor.

Afraid she has every right to go to her insurance company and ask them to repair it and for them then to persue it.  He said that you do not need to ask for the liable parties authority to proceed.

Looks like you will either have to pay up, or let your insurance pay.  Do you not have no claims protection?  Mind you, you would still have to pay your excess.

[scoobyfuzzy]

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Just spoke to my mate, whos brothers a solicitor.

Afraid she has every right to go to her insurance company and ask them to repair it and for them then to persue it.  He said that you do not need to ask for the liable parties authority to proceed.

Looks like you will either have to pay up, or let your insurance pay.  Do you not have no claims protection?  Mind you, you would still have to pay your excess.

u say " liable parties authority"....  iv never accepted liabilty. fair enough go ahead with the repairs if i admitted liabilty, but i never, so do they not have to prove who was at fault first before they carry out repairs......... 

mayb clutching at straws here, but never mind. lol

fuzzy

[scoobyfuzzy]

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If she gave her insurace company his number plate details they would be able to find what company he is with.

back to this comment aswell, say i had nothing to do with the accident, but then she picks out my reg number, gives it to her insurance, they get all me details from that, fix her car then bill me for repairs, for an accident i have never had. if it was as easy as giving ur insurance company a reg number, to get ur car fixed, then do u not think every1 would be doin it. next thing u know, ur getting billed for repairs to a car that u know nothing about, n there nothing u can do, just pay the bill.  nah, im goin to see ma solicitor 2moro, n im gonna fight this 1.

fuzzy

[Alan-G]

Dont Lol over this one fuzzy.

You didn't admit liability.

If she is a 1Ltr Corsa driver trying to be a smart @rse then tell her to prove that she didn't reverse into you. Your workmates might back you up unless you practical joke them - and well, your on to plums me old son.

Lol.

Alan.

(Nothing signed - nothing stands)

Wifey is an employment lawyer.

 

[david_taylor]

If you hit the rear its pretty much impossible not to get 100% liabilty.  Plus you have admitted liability to your insurance, and most likely on a recorded phone.

I would love for you to get this sorted mate, and pay the minimum.  Just passing on a solicitors comments.

Hope you get a result.

Dave

[sheep]

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If she gave her insurace company his number plate details they would be able to find what company he is with.

back to this comment aswell, say i had nothing to do with the accident, but then she picks out my reg number, gives it to her insurance, they get all me details from that, fix her car then bill me for repairs, for an accident i have never had. if it was as easy as giving ur insurance company a reg number, to get ur car fixed, then do u not think every1 would be doin it. next thing u know, ur getting billed for repairs to a car that u know nothing about, n there nothing u can do, just pay the bill.  nah, im goin to see ma solicitor 2moro, n im gonna fight this 1.

fuzzy

I only said that as i know all the companies are linked to the dvla i think now, which is why they ask your registration and then they know what type of  car you have. I agree with what you are saying though and think you should challange it. Good luck mate.

[scoobyfuzzy]

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If you hit the rear its pretty much impossible not to get 100% liabilty.  Plus you have admitted liability to your insurance, and most likely on a recorded phone.

I would love for you to get this sorted mate, and pay the minimum.  Just passing on a solicitors comments.

Hope you get a result.

Dave

nope didnt admit liabilty to ma insurance either, hes said as there my insurance company they r liable, but i said to him aswell that i was not admitting liabilty

fuzzy

[scoobyfuzzy]

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If she gave her insurace company his number plate details they would be able to find what company he is with.

back to this comment aswell, say i had nothing to do with the accident, but then she picks out my reg number, gives it to her insurance, they get all me details from that, fix her car then bill me for repairs, for an accident i have never had. if it was as easy as giving ur insurance company a reg number, to get ur car fixed, then do u not think every1 would be doin it. next thing u know, ur getting billed for repairs to a car that u know nothing about, n there nothing u can do, just pay the bill.  nah, im goin to see ma solicitor 2moro, n im gonna fight this 1.

fuzzy

I only said that as i know all the companies are linked to the dvla i think now, which is why they ask your registration and then they know what type of  car you have. I agree with what you are saying though and think you should challange it. Good luck mate.

paul, i was gettin at u or anything for ur comment, i was just using it as an example of  how easily it would be for some1 to use ur reg number for the likes of an accident

fuzzy

[david_taylor]

Good, then you could fight it.

Personally I would not chance it.  If you went to court and lost, you would end up with a much larger bill than £800, thousands probably. Is there any damage to your car??

[Alan-G]

Just spoke to wifey (Fab 1) fuzzy,

Let your insurance pay it.

Your premium wont go up by £800 next year. (your immediate loss)

She may claim for whiplash next, and that could be a civil action.

The bint that reversed into you may just come out trumps - leave that to your insurance mate.

Alan + Jen and wee Hollie.

Best of luck.

[scoobyfuzzy]

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Good, then you could fight it.

Personally I would not chance it.  If you went to court and lost, you would end up with a much larger bill than £800, thousands probably. Is there any damage to your car??

clip for the indicator in the bumper broke, n that was all

fuzzy