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Post by watchbank on Jan 18, 2012 20:00:01 GMT
Ok so to cut a long story short i was travelling on a main road and somebody driving another vehicle were driving to a give-way junction and pulled out and crashed into the side of my car, resulting in me banging my head of the window and had nasty whip-lash for a few weeks. We exchanged details, i rang my insurance and they started the claim up, i lost my no-claims bonus resulting in my premiums shooting up by £1200 a year. The man denies hitting me, but in the meantime i rang Winns Soliciters to start up a personal injury claim, thats been solved i got some compensation BUT my insuance company have closed my case down as 'non fault' because he hasnt admitted it and obviously i havent. How can he admit it for my personal injury but not for damage to my car, did he pull me over and hit my head and not touch my car.. seriously?! My car is sat in our shed damaged (they told me not to drive it) rotting away because they say i need to re-open the claim, which means i will lose my no-claims AGAIN and i have to pay my £600 excess before they will repair my car.... i would like to know why we pay insurance anyone got any advice or help... i need it
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Post by Erinx on Jan 18, 2012 20:21:46 GMT
Surely that cannot be right??
Somebody crashed into me while coming off the motorway, because it was not my fault I didn't lose my no claims. I'm not sure why they are saying you should, at the time I was with tesco. We're there no witnesses to the accident? How long ago was it? I think you only have two weeks to report it to the police, personally I'd get it back opened because he had to give way not you, it's his fault!! Good luck!!x
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Post by watchbank on Jan 18, 2012 20:24:56 GMT
Surely that cannot be right?? Somebody crashed into me while coming off the motorway, because it was not my fault I didn't lose my no claims. I'm not sure why they are saying you should, at the time I was with tesco. We're there no witnesses to the accident? How long ago was it? I think you only have two weeks to report it to the police, personally I'd get it back opened because he had to give way not you, it's his fault!! Good luck!!x it was 18 months ago, they have dragged it for this long  |
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Post by Erinx on Jan 18, 2012 20:29:42 GMT
18 months  I'd get it re opened, purely on principle because it's his fault!! But honestly I can't believe they would pay your personal injury!! How do they think you got that!! I guess I was lucky, I had a witness and he did admit it was his fault ( had the cheek to ask me on a date too!!) |
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Post by watchbank on Jan 18, 2012 20:42:22 GMT
I had a witness too, she said it was his fault |
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Post by armada on Jan 18, 2012 20:58:03 GMT
I had a separate company who were employed by my insurers to chase a claim when a concrete lorry smacked the side of my 4x4 in, they got my money, took a while as he was a slippery customer, but they got him in the end.
If I can find the paperwork, I'll give you their name.
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kayjayem
Happy to help....a lot
Posts: 10,046
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Post by kayjayem on Jan 18, 2012 21:20:57 GMT
Surely if you got compensation for your injury that implies that the other party was liable! It sounds like a no brainer to me I reckon you should be straight back onto your insurers and tell them so and if they give you any flannel tell them you will go to the insurance ombudsman. What a load of bullsh1t!! Ring me or email me if you like and I'll try to help.xx
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Post by ladyndibs on Jan 18, 2012 22:11:27 GMT
I don't think you should lose your NCB as your company should claim from his company to recoup their loss.
It might be worth checking who is insuring him, it has been know for companies to do 'knock for knock' so that they don't have to pay out, it might also be worth contacting your insurers and asking for the details of the insurance ombudsman, making it clear you are unhappy with the way they dealt with your claim so are taking it a stage further.
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Post by rhosyn on Jan 19, 2012 11:49:48 GMT
I had a similar incident. TELL your insurance company's solicitors they are to threaten his solicitors with a court case. I did this and hey ho four days later along came a cheque and NCB. They will try to put you off but believe me it'll do the trick  |
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Post by watchbank on Jan 19, 2012 13:10:02 GMT
Right ive sent for a ombudsman claim form to try and push them along, they are just pushing it with me and hoping i leave it be.. surely my car is damaged why should it be sat in a shed for 18 months, its going to have other problems now from being sat for so long |
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kayjayem
Happy to help....a lot
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Post by kayjayem on Jan 19, 2012 22:00:45 GMT
It's amazing how things happen when you get the ombudsman involved. I've done it twice, once with a phone company and once with an electricity co and after months of banging my head against a brick wall it's been resolved(in my favour) both times within a couple of weeks. Good luck!
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Post by folla on Jan 20, 2012 14:06:39 GMT
Re message from an earlier poster, the Knock for Knock Agreement no longer applies and hasn't for many many years.
You really must go back to your own insurers and fight your corner, there's no other way really. Things are no longer as clear cut as they used to be. Unfortunately if the person who is to blame won't admit liability, it's a bit tricky, but you have a witness? Why isn't your witness being taken into account?
This isn't right - FIGHT, phone them often, make them listen, plead, beg, anything, but don't get angry, they will be less likely to listen.
For you and for everyone else for the future - keep a camera in your car and takes lots of photos at time of accident, ignore the crazy drivers who honk their horns and act like thingys because you have had the nerve to block the road. Do everything you have to before moving your car. Afterwards it's horrendous and costly if you can't prove anything.
Good luck. Let us know how you get on.
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Post by FF on Jan 20, 2012 18:44:41 GMT
Sounds crazy to me, your insurance company is doing a crap job. Last march someone drove into the back of my horse trailer while I was stationary. Ok so I was straddling two lanes as i'd just moved from middle lane to 1st lane and then ran out of room BUT she should have been looking were she was going. I took pictures at the time of her car after we moved and also to the damage to the back of the trailer (just paint damage thanks to a trusty old Rice trailer). Exchanged details and we went on her way while she had to wait to be recovered (yes the damage was that bad. hehe) A few months later I get a letter saying she's claiming against me for the damage to her car, her mobile phone and whiplash for her and her passenger I rang my insurance and told them it must be a joke as she hit me when I was stationary. I sent them all the pic's etc but she reckoned she had a witness and that I swerved into her lane and hit her with the side of my trailer. No way did she have a witness. Total lies. My insurance wouldn't accept liability and her insurance took ME to court. None of her story matched up when questioned. She said she was only doing 5-10mph (but they had whiplash and a broken phone from impact  ) and I hit her with the side of my trailer. I provided a picture of the trailer showing NO damage and pic's showing damage to the back. She provided pic's of the damaged wing of her car which the judge looked at and said it wasn't side damage as the wing had been pushed backwards suggesting a forward impact. lol. I was awarded expenses for my day off work etc and she was left with a court bill, insurance excess and a bill for her phone and my expenses. All this was sorted through my insurance and as i've been found not at fault my insurance will stay as it is and no claims in tact. Your insurance should be fighting your corner for you and taking him to court to recover your costs. I think you will need to pay your excess 1st though to have your car repaired. Good Luck. Hope you get it sorted. |
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Post by bowditchblobs on Jan 24, 2012 20:33:50 GMT
Watchbank contact BGR Bloomer [google it] fantstic cant praise them enough!
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Post by armada on Jan 24, 2012 21:40:15 GMT
The people who fought my corner were called uninsured loss recovery from Norwich.
I'd done a lot of legwork myself, from a partial numberplate and company sign-writing on his lorry, got his mobile, then learned he had moved companies (he was a contractor with his own lorry) found the company, and spoke to the transport manager as the driver refused to answer my calls, and these people got him - eventually, I think they just wore him down and it was easier for him to eventually admit liability than be hounded by them.
They were really good, did'nt cost me a penny neither and they got my excess back, which meant my insurance was'nt affected.
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) and I hit her with the side of my trailer. I provided a picture of the trailer showing NO damage and pic's showing damage to the back. She provided pic's of the damaged wing of her car which the judge looked at and said it wasn't side damage as the wing had been pushed backwards suggesting a forward impact. lol. I was awarded expenses for my day off work etc and she was left with a court bill, insurance excess and a bill for her phone and my expenses.