I was involved in a car crash that was not my fault - basically a car was in the wrong lane and to not miss its turn off cut into the left lane (a lane which I was occupying and it hit my rear door/wheel arch with the side of its front bumper and mostly it’s wheel and tyre leaving black tread marks on my car).
At the time of the accident I was happy to settle this outside of insurance to save me and him the hassle - but having getting quotes for my car it would run into several thousand (damage significant on my car but not on his). So we agreed to go through insurance.
Anyways I hear nothing for two weeks only to find out the other driver is denying liability! He is claiming I drove into his lane side swiping him. I am absolutely devastated as i’ve done nothing wrong and this is having a huge financial burden on me and stress at the wrong time of year coming up to Xmas.
My excess is £1,450 alone and my insurance have advised me I will need to pay this to get my car fixed and they will continue to try and prove liability onto the other driver. I have contacted the police/local council etc to see if there is CCTV there with no luck. My insurance renewal is coming up and if I factor in the crash and loss of no claims it goes from £500 to £1700... I have always paid it in full to save money! So the cost in the short term is close enough to £3000.
My question is how do i approach this?
1, I don’t want to settle for anything other than the other driver taking all fault can I push my insurance company to take this to court if they continue to deny liability? I have text messages from the driver the next day asking for quotes surely that admits some form of liability?
2, With my insurance renewal coming up soon do I declare absolutely no claims bonus even though I have over 5 years built up? (Before this I had company cars therefore never built any up).
3, If I finally do get to the point where they admit liability or it is deemed they are at fault will I likely be reimbursed for paying for higher insurance while the claim was in dispute? If it goes on for a year that’s an extra £1,200 loss for me.
Thank you for any help
At the time of the accident I was happy to settle this outside of insurance to save me and him the hassle - but having getting quotes for my car it would run into several thousand (damage significant on my car but not on his). So we agreed to go through insurance.
Anyways I hear nothing for two weeks only to find out the other driver is denying liability! He is claiming I drove into his lane side swiping him. I am absolutely devastated as i’ve done nothing wrong and this is having a huge financial burden on me and stress at the wrong time of year coming up to Xmas.
My excess is £1,450 alone and my insurance have advised me I will need to pay this to get my car fixed and they will continue to try and prove liability onto the other driver. I have contacted the police/local council etc to see if there is CCTV there with no luck. My insurance renewal is coming up and if I factor in the crash and loss of no claims it goes from £500 to £1700... I have always paid it in full to save money! So the cost in the short term is close enough to £3000.
My question is how do i approach this?
1, I don’t want to settle for anything other than the other driver taking all fault can I push my insurance company to take this to court if they continue to deny liability? I have text messages from the driver the next day asking for quotes surely that admits some form of liability?
2, With my insurance renewal coming up soon do I declare absolutely no claims bonus even though I have over 5 years built up? (Before this I had company cars therefore never built any up).
3, If I finally do get to the point where they admit liability or it is deemed they are at fault will I likely be reimbursed for paying for higher insurance while the claim was in dispute? If it goes on for a year that’s an extra £1,200 loss for me.
Thank you for any help
