DELETED_5350
- Thread starter DELETED_5350
- Start date
This might sound really silly,
But when you say you accepted liability, was that you accepting it by handing your insurance details over, or was it just you happening to say "Sorry" at the time of the accident, as judging from your post no claims were made at the time so surely its a bit late now?
But when you say you accepted liability, was that you accepting it by handing your insurance details over, or was it just you happening to say "Sorry" at the time of the accident, as judging from your post no claims were made at the time so surely its a bit late now?
You have 3 years in which to bring a personal injury claim.
Associate
- Joined
- 21 Nov 2007
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- 1,064
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- Fleet, Hampshire
What this man said. To do anything else, such as respond to them, could prejudice your position.
Car Insurance is a claims occurring policy, so the insurance company at the time of any incident has to deal with it.
Through the insurers, I admitted it was my fault and I thought that was the end of it. Now, well this has come through!
Haven't you kept personal records of this? If you have it should be easy to stablish the insurer and policy number so you can pass on the letter on to them.
Who did you admit liability to? Your own insurance company? his?
They do have the right to claim from you. I can't remember the exact period of time, but it's something like 7 years after the date of the accident to claim for PI. Whilst these days it's open for abuse, it's understandable for genuine cases where a medical condition may not have been initially apparent and has now arisen.
You'll need to rustle through old bank statements for your previous insurer. If you're completely stuck, you may be able to ask your current insurers as they will have attained proof of NCB when you changed over. If that fails, you will be on the MID database, but i'm unsure how it handles previous insurance information. Contact your previous insurer and send them a copy of the letter.
Unfortunately, you're going to have to take this one on the chin, unless something remarkable happens. Tell them that you want to see medical proof from an authorised agent (Doctor, Hospital etc) that the injury is as a result of the 3 year old accident (your ex-insurers will probably want to see this anyway but it wont hurt to ask).
The only lesson really to be learned from this is never, ever admit liability for a minor accident. Too many people will be ready to screw you over.
They do have the right to claim from you. I can't remember the exact period of time, but it's something like 7 years after the date of the accident to claim for PI. Whilst these days it's open for abuse, it's understandable for genuine cases where a medical condition may not have been initially apparent and has now arisen.
You'll need to rustle through old bank statements for your previous insurer. If you're completely stuck, you may be able to ask your current insurers as they will have attained proof of NCB when you changed over. If that fails, you will be on the MID database, but i'm unsure how it handles previous insurance information. Contact your previous insurer and send them a copy of the letter.
Unfortunately, you're going to have to take this one on the chin, unless something remarkable happens. Tell them that you want to see medical proof from an authorised agent (Doctor, Hospital etc) that the injury is as a result of the 3 year old accident (your ex-insurers will probably want to see this anyway but it wont hurt to ask).
The only lesson really to be learned from this is never, ever admit liability for a minor accident. Too many people will be ready to screw you over.
Maybe the person has just found out that they have 3 years to make a claim and are now jumping on the bandwagon?
Your insurer back then surely would have provided £xx,xxx worth of legal cover so maybe it will be ok unless there's a way to prove the injuries now are not related to the accident back then?
3 yrs is an awful long time, enough time for general injuries to completely heal unless he broke a leg or something ?
Your insurer back then surely would have provided £xx,xxx worth of legal cover so maybe it will be ok unless there's a way to prove the injuries now are not related to the accident back then?
3 yrs is an awful long time, enough time for general injuries to completely heal unless he broke a leg or something ?
Soldato
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- 18 Oct 2002
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- London
I disagree, dont say anything dont do anything beyond work out who your previous insurers were and pass the letter on to them
dont make any attempt to respond to the letter let the insurers legal team deal with it all.
You misunderstand. Pass the letter to his previous insurer and tell them to attain proof. I wasn't telling him to respond to the third party or the third party's insurer in any manner.
^ tis what I'd do.
Prolong it as much as possible, don't admit liability and demand Xrays, doctors opinions, have him go to your own doc, spy on him if you can. This way he'll either get fed up or just settle at your own price. - Then tell the dirty ***** to stick it.
So if for example you had an accident, said sorry but didnt hand any insurance details over as it was very minor, no damage done, could they screw you over on that?
As surely there is no proof of you ever admitting liability?
As surely there is no proof of you ever admitting liability?
Associate
- Joined
- 21 Nov 2007
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- 1,064
- Location
- Fleet, Hampshire
The whole proof of liability thing is a complete red herring, and bears no relevance to proceedings.
Send letter to old insurers, let them deal with it. It is so far down the road, that is makes no difference to you.
Send letter to old insurers, let them deal with it. It is so far down the road, that is makes no difference to you.