accident claim dilemma...

wijcc

wijcc

wijcc

Soldato
Joined
10 Aug 2003
Posts
2,696
Location
London
Hi guys.. I was involved in a car accident where a van rolled out of a driveway and hit the side of my car. I have a witness, a lady from a estate agents delivering leaflets who was a few meters away. She has given statement to my insurance company.
A pretty open and shut case you would expect. However the van owner a builder is claiming that the dent caused to my car door was not caused by his van. At the scene of the accident he was speaking to a road cleaner who was much further away then the estate agent lady trying to make (convince) him also to say that the damage could not be caused by his van.
The accident happened in Feb of this year. His insurance company Markerstudy is not responding to my insurer Admiral despite them trying to contact them several times, sending letters etc.
My insurer will not progress this claim any further until repairs are done to the car. The cost to repair the door, quotes from two approved repairers is £1100~. However i will have to pay the excess of £350 upfront.
The car is old 2001 ford focus and still driveable just has dent in the rear passenger side door. Do I risk possibly losing 2 years ncb and (part of) my excess by repairing the car. or do i just leave the car and not further the claim?
How does a insurance company like markerstudy getaway with not responding to third parties or third party insurers, apparently they do not speak to third party insurers??
 
Isn't it your insurers job to get heavy with the third party's insurer?

I'd lean on Admiral and make it clear that Markerstudy (whoever the hell they are?!) not responding to their contact isn't your issue.

If they still won't respond to third party insurers maybe Markerstudy will respond to the insurance ombudsman...
 
It's really not long before we all install cameras and audio recording equipment in our vehicles now. That's what they do in some countries to minimise insurance fraud.
Also useful for capturing once in a lifetime events like meteorites crashing to earth too! :)
 
lordrobs said:
Isn't it your insurers job to get heavy with the third party's insurer?

I'd lean on Admiral and make it clear that Markerstudy (whoever the hell they are?!) not responding to their contact isn't your issue.

If they still won't respond to third party insurers maybe Markerstudy will respond to the insurance ombudsman...
Click to expand...

Markerstudy are pretty big, they are one of the underwriters used by Adrian Flux, Greenlight and Sky.
 
humm that's odd, when I had a bump last year (i'm with admiral too) I claimed and the woman was trying to claim 50/50 after hitting the back of me. admiral didn;t waste anytime processing my claim, got my car fixed, gave me a courtesy car and had it back all within 2 weeks i think? (was delayed due to needing to order the bumper)

but i didn't have to pay excess or anything... I had a letter from albani (or who ever admiral pass the claim on to) saying they were having trouble getting the claim from the other parties insurance but they are continuing to try.... and that was the last I heard from them xD

spoke to admiral at renewal time in um..... feb this year and mentioned about it as they asked how did i find the claim and they said oh... that's a bit odd.... but if I've not heard anything else then they probably got it sorted and just closed it :p

but yea that's poop! might have been because I think they managed to get in contact initially but then when it came to give them the bill they tried ignoring.

so I would assume the insurers have had no contact with each other at all? that's stupid that it's gone on for so long!!! I would seriously press on admiral to sort it out! making sure they know that it's 100% the other guys fault without any doubt and with your witness statement that it was him who caused the damage and get it sorted and let them worry about picking up the tab!
 
the information i got from my insurance is that unless i get the repair done (before/without liability issue being resolveded) now they (admiral insurance) will not progress the matter onto their solictors.
 
am slightly confused so...will you have to pay for this repair now? or is it the case where they will repair it.... but should they not be able to get in contact, or they do and they out right say it wasn't their damage you run the risk of having to pay the excess/full repair?

hummmm i think i was told something similar but different circumstances. they said that should they be unable to recover the costs that I would be liable to pay the excess i think... but they gave me a few options to cover my back like £30 so that if it did fall back on me i woudln't have to pay anything apart from the £30 i would pay up front... but i threw caution to the wind as I knew it was all her fault and there's no way she could argue otherwise.

or would they expect you to pay for the repairs and then they would look into getting your money back?
 
pay the excess.. my insurer will pay the rest. But unless the incident was resolved as non fault I will lose 2 years ncb grrrr
 
Would an accident management company take this on? I'd have thought they would have jumped at the chance to stick you in an overpriced courtesy car and proceed to bum rape the other insurer for overinflated fee's.
 
Why are you not speaking to the third party insurer. Markerstudy are hoping by not responding you will give up and use your own insurance.

Admiral aren't going to get out of bed for £1100.

Ask Admiral to put you in contact with a solicitor as that is why you have Motor Legal Protection.
 
Last edited:
I did contact them directly a month or 2 go but they would not talk to me as they said they were investigating something or other.
 
wijcc said:
I did contact them directly a month or 2 go but they would not talk to me as they said they were investigating something or other.
Click to expand...

They are probably trying to avoid paying from the sound of things. You really need a lawyer.

Think about it from Admiral's point of view. In order to avoid the £750 cost they face, there is too much effort (i.e. labour cost).
 
the insurance company will only pass to solicitors if there is a cost of claim and depending on circumstances + age of claim.

the ombudsman can only get involved on a decision of a claim, they don't deal with the actual claim itself.

they will be able to pass it to the solicitors if you get a pro-forma invoice done on the repairs however it has its down side/s
 
Can we help

Hi wijcc

We are sorry to hear that you are having an unsatisfactory experience with us and would like to investigate the issue that your having further. Please can you contact us direct, with your claims number, address, best contact number and state reference FOR4 to [email protected]

Kind Regards

Markerstudy
 
well i have decided to claim on my insurance.. going to take the car to an approved repairer and get the insurance company to send the claim/costs onto solictors once repairs have been done.
 
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