Going through the "other persons" insurance for a courtesy car?

[Gimpymoo]

A drunk driver smashed into my car while it was parked.

Been informed it is a complete loss.

Can I go through the other persons insurance for a courtesy car until the claim is settled or is it better to go through my own insurance and whichever management firm they assign with £100 a day fees passed onto other insurer.

 

[Gimpymoo]

Just rang the 3rd parties insurer, they said they would like to but they have not been able to speak with their client as yet, refused to talk when they last rang him. They said once confirmed is being prosecuted they will be going after him for all monies owed As drink driving, his policy is downgraded to third party at that point but they cannot do anything at present as client not talking to them. Once he confirms is being prosecuted, is a different matter.

Will just have to go through my insurer.

The drunk driver will be regretting this for a long time, easily £15,000-£20,000 costs coming his way, maybe more.

 

[Gimpymoo]

I think it's probably a good idea to go through the third party. I've heard horror stories before of insurance companies charging the third party insurer large sums for hire cars and them refusing to pay out, leaving you with the bill.

Yeah, do not sign up for a credit hire car!

The exact reason why I wanted to go through the third party, however, with the idiot not discussing with his own insurance/not wanting to make an admission incase of the pending prosecution, his insurance say their hands are tied until he has spoken to them.

Spoke with the police, they are dotting the i's and crossing the t's to get their ducks in a row to take it to court.

What has annoyed me is I have insurance due on another vehicle in January and am sure my premiums will be higher because of this "claim" which will not be closed by then.