Highway, no, big ****** no, don't do it.
NO!!!
Note: I've been up all night so I'm not going to be very coherent, I'm going to make it as short as possible, I'm fed up of going through all the details but here's why I think they are pretty much a waste of your time.
I've been messing around with them for 15 months, yes
months when some bint left her hand brake off, didn't park in gear on the ferry from the UK to Jersey, the day I bought the car. Her car rammed the back of mine and made very minor damage, scratches and all. But the principle that she must pay and I do not stands.
What should have been a very simple open and closed case has become a nightmare.
After, details were exchanged, a signed accident form from myself, the person who hit me(3rd party) and the engineering officer on board, photos taken, statements made.
At first she ignored my phone calls, I gave it a few weeks as she was a uk citizen in Jersey for an unknown period, I tried some more with nothing. My insurance was notified the next day, to be honest I was on a 16 hour rough crossing and to put it harshly, I've never in my life been so sick. I wanted to find the damned flare gun and end it then and there!
I report directly to adrian flux, who send me an accident report form in which I had to send 3 because they never made it's destination on recorded delivery, which translates to "we lost it". Then one to Highway and one for some reason to lv.com which is the sister company of highway ?
Let's not mention explaining the entirety of the event takes a long time, so during a phone call I have to drivel on and on, for them to pass me on to someone else and repeat it, over and over. Until I took initiative and kept all communication with one employee.
Turns out, 3rd party had denied the event ever taking place, also provided a fake name and telephone number. Contacting the ferry company for details to take further action was like headbutting a bulldozer. I understand data protection but my insurance couldn't even get that information. A few phone calls later citing that they are witholding information to an unresolved accident on their ship quickly got me what I needed.
Fast forward to 3 weeks ago, 3rd party insurance were told they were never contacted by mine until Jan 2011 (Accident happened in Nov 09) I cannot begin to underatand how this is even possible, my insurance said they contacted the 3rd party insurance in Dec 09. So conflicting reports here, who knows who is lying.
The ferry company took a long time to provide the photographs, "My boss is on holiday, he's back in a week", more like a month. "It's not in this office, I will try the other", "sorry I'm new here". The manager's no better constantly "out of the office" and never returns voice mail.
Eventually I had the solid evidence I needed in MY possession, not in the hands of retarded jobs worths. Pictures, the report that she hit my car, photos of her car and mine. Oh, did I mention that the reg number I gave "didn't exist?" It does now apparently.
So 3 weeks ago, they admitted liability, I called her insurance asking for reasons they denied liability, it was the person who hit me they said. They denied it, I asked what steps will be taken now that she's lied about an accident ever happening, not reporting it etc, they can't tell me, I'm fine with that I understand it's none of my business what they do to her, but it's my feeling bloody nothing.
Still at 3 weeks ago, it's come down to them accepting to pay for the repair (3rd party insurance/mine) I've not renewed my insurance at the moment, financial problems and definitely not with them so they agreed to have the car picked up, repaired and brought back.
That was until a week ago my insurance phoned up and said the person who hit me has denied it happening. Wait, what? yeah, I'm as confused as you. They said they will be contacting the 3rd party and sending her the evidence I provided, I will be contacting them tomorrow first thing when they open.
I've tried being as patient as a saint, more than can be said for most people, it's been over a year for a frickin' paint job on the rear bumper. I've also lost it and been outright aggressive on the phone because I have had enough. Just dialing the number and waiting for an operator to pick up has my heart beating in anxiety for complete idiocy from people who just don't have a clue in the world.
I've missed lots out, it's not really all in the right order, I'm tired and fed up with the whole ordeal, I've lost complete faith in this insurance company, I don't even get any sort of reimbursement, compensation, understanding, anything for the crap I've had to put up with for over a year.
I've never had to claim for anything in regard to car insurance before, it's all new to me and so is the legal system, but
I'm at the point I want the person who hit my car to suffer I can't afford a lawyer but my insurance should cover legal costs right? How can people like that get away with it. Get her to lose her insurance, a temporary driving ban, a monetary fine, all of them, anything, I don't care. I don't see an increased premium to be adequate any more.
Damnit, I'm ranting but yeah you get the basic idea.
I don't understand how with all the information at hand it hasn't been sorted already, I have witnesses, report forms, photos. How the hell does something like this take OVER A YEAR!
