stevebubs
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| posted on 10/11/05 at 03:07 PM |
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Claim Against White Van Insurance
Right.
I got rear-ended by a white van man back in August.
Took me approx 3 weeks to get his insurance details out of him, then rang his insurance company and they told me to go get a quote (approx £1300).
This has all been done and they've agreed the costs with the garage but won't authorise the work as "he hasn't reported the
accident to them"
Legally. where do I stand on this? It's been about 3 months since the accident now.
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Mark Allanson
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| posted on 10/11/05 at 03:13 PM |
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I am now an insurance company engineer/loss adjuster.
I am very surprised that they have agreed costs before the claim has been reported to them. Normally they will deny any incident until it is claimed
for.
Get your own insurance co to write him a really shitty letter, they should do this for you even if you are third party.
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
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stevebubs
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| posted on 10/11/05 at 03:17 PM |
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quote:
Originally posted by Mark Allanson
I am now an insurance company engineer/loss adjuster.
I am very surprised that they have agreed costs before the claim has been reported to them. Normally they will deny any incident until it is claimed
for.
Get your own insurance co to write him a really shitty letter, they should do this for you even if you are third party.
Is it worth using (or possible to use) the "uninsured loss" insurance to get solicitors involved?
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slaggywelder
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| posted on 10/11/05 at 03:20 PM |
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Hi,
I maybe wrong, but it sounds as if he is going to deny it occurred and try to avoid a claim against him and it will your word against his.
Just because he has not claimed does not mean it did not occur or that he is liable and in my opinion I would pursue legal advice (you normally have
paid a fee for this when you took your insurance out, sometimes it’s written in automatically to your insurance).
Was the accident witnessed (have you got contact details for these) even if on CCTV.
Were the Police informed of the accident (I do it every time as I have had false details given to me before) – must be done within 24 hours.
Mark
Why, I'd horse-whip you if I had a horse.
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britishtrident
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| posted on 10/11/05 at 03:21 PM |
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Hasn't there been a change in the law recently regarding exactly this situation -- or is it still just a proposal
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mark chandler
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| posted on 10/11/05 at 03:47 PM |
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Same thing happened to the missus, had the car fixed under our policy and they claimed against the third party.
All was going well until the owners of the car that hit her changed their story and refused to answer any letters, this was after a couple of months.
Police were engaged day 1, but as know one was hurt could not care less.... civil matter. Tried to report the other party for no insurance to the
police once it all fell apart, they refused to allow us to report this... only insurance companies can do this as we cannot prove either way.
To be fair Norwich Union tried, even sent people around to the other lots house but got threatened so left. In the end we lost our no claims discount
but had the excess refunded... explain that!
If its minimal damage I would just forget it, if the other people will not play ball it’s a painful lesson in disillusionment when you are paying
£1,200 a year to keep your cars insured.
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BKLOCO
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| posted on 10/11/05 at 04:08 PM |
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The moral of this story is: "Keep a disposable camera in the glove box."
Take photos of both cars at the scene. Include driver and number plates in the shots.
Second moral is: "Treat everyone you don't know as a lying, cheating, scumbag."
Experience is what you get when you don't get what you want!!! 
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Winston Todge
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| posted on 10/11/05 at 04:57 PM |
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One of the best, and probably only, reason to have one of those 'amazing' camera phones...
Had something similar where I was knocked off my bike and luckily took lots of photos of the damage and scene...
Hope you have luck in getting the scum to pay up...
Chris.
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Deckman001
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| posted on 10/11/05 at 05:12 PM |
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I had an incident last week when a van cut me up too closely and smacked the front corner of my van, he proptly drove off at high speed going through
a red light to get away, I got his number and have gone through insurance, am waiting for them to tell me any more news, they have said though that
they have found the other vehicles insurance and registered keeper details and were firing off a few letters.
Oh yeah, police now give out a self report form to fill in but are not interested unless you prove you were legal on the road first !!
Jason
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jonbeedle
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| posted on 11/11/05 at 01:59 AM |
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Always call the police if you're hurt or not. Make out you are hurt and/or shaken up. If there are no witnesses take loads of pics on your
camera 'phone. When I've been in this situataion, I've always asked the other guy to call an ambulance and police straight away
before saying anything else, usually in answer to his question of 'Are you alright?' He's so panicked at this point that he'll
start dialling immediately!
If he doesn't stop, the best you can do is get his number and look around for witnesses.
Cheers
Jon
"Everyone is entitled to an opinion however stupid!"
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Hellfire
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| posted on 11/11/05 at 02:09 PM |
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From the other perspective - I accidentally ran into a 206 last year. I was doing approximately 10mph at the time of impact. As I was in a slow moving
queue, in the rain a guy waited unti lthe last minute the n tried to cut into my path - he realised he couldn't as he was going too fast and
turned away. I was distracted long enough to fail to see the 206 driver had stopped. I bumped it.
My car sustained no damage other than a scratched number plate. The 206 had a line on the bumper where the dirt has rubbed off.
The driver and I agreed that no damage had been done to either vehicle. After a few weeks I received a letter formally notifying me of a claim against
me for damage done to the car for £1300. I have just received a letter from solicitors claiming for personal physical injury to the neck, shoulders
and back plus trauma.
Strangely enough I thought this may happen - and as I had a camera phone I took a picture of both cars which clearly shows the scuff marks to both
cars. I don't think the driver realised I had took pictures... I wonder if the insurance company drop their claim now? If they do I may
counter-sue for the insurmountable levels of stress I have suffered from constant accusations of personal injury done to the driver. Worth a try?
Only one winner in this instance - the lawyers/solicitors representing the fraudulent claims!!! 
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