Insurance claim, need pro help?

Soldato
Joined
19 Jan 2003
Posts
17,601
Location
Bristol, UK
Hi there,

My friend was involved in an accident a few months back.

He was in his van sat at a cross roads waiting to pull out.

Black car on opposite side of cross roads pulled out into oncoming traffic/failed to stop and hit a red car on the intersecting road. This caused the red car to hit the front of my friends van.

Black car driver got very abusive, red car driver was pregnant with another in the back so friend called the police, some other bystanders cared for the red car driver and black car driver was left to cool off.

Police attended and gave my friend a crime ref no and said to give that to his insurers and get his van checked over for safety, since appeared drivable (and fortunately has been, just cosmetic damage to the front bumpers/grill, quite remarkable actually).

Friend was given the run around by his insurer/broker, some accident management company they referred him to, back to his insurer/broker, on to their underwriter who then said the other parties are disputing fault and nothing more has happened.

They told him who the red car is insured with, Churchill, so he then went down the route of claiming from them. They’ve ended up saying the black car is at fault so he needs to claim from them but cannot provide this parties insurance details.

Since black car driver was being abusive and the front of his car was smashed up he didn’t get this drivers details at the scene. Valuable lesson of what not to do. He’s now reluctantly getting a dash cam.

My friend is a busy tradesperson so can’t afford to sit on the phone all day and takes a few days to chase all these various calls up, so some delay from both ends of the process has resulted in this going on for 3-4 months.

What would you recommend he does? Is this the time when a decent accident management company or similar show their value? Any recommendations?

TIA.
 
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Both insurers have said they can’t do anything with a crime reference number. My friend could go to a local station and likely find this out yes, I think he just wants it off his plate and if he has to pay for help, or this be charged to insurers then so be it
 
Both insurers have said they can’t do anything with a crime reference number.

I meant contact the police and ask for details.

When my car was hit while it was parked outside my house (hit and run), the police looked up the details provided by a witness and sent me the drivers name and address.
 
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Your friend needs to go back to his insurance company and tell them to sort it out. The black car shouldnt be a problem either as it was the red car that hit the van.
 
He should avoid accident management companies like a plague. This is the fault of the black car driver (not red). In any accident negligence has to be proven and from what you say there was no negligence on the part of the red car driver who was an equally innocent victim.

He needs to consult a solicitor and if it turns out the black car driver cannot be traced the solicitor will submit a claim to the Motor Insurer's Bureau, who meet claims for accident's caused by untraced or uninsured drivers
 
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He should avoid accident management companies like a plague. This is the fault of the black car driver (not red). In any accident negligence has to be proven and from what you say there was no negligence on the part of the red car driver who was an equally innocent victim.

He needs to consult a solicitor and if it turns out the black car driver cannot be traced the solicitor will submit a claim to the Motor Insurer's Bureau, who meet claims for accident's caused by untraced or uninsured drivers
strange i was always told you make the claim against the vehicle that hit you and they in turn claim it and there damage of the one that hit them.
ie claim against the red car (churchill) then they claim against the black car .
it sounds like the ops insurance isnt doing anything, so negligent, if all else fails solicitor and letter before court to churchill.
 
You are referring to what is known in the industry as a "knock for knock agreement" which only some insurers adhere to. He cannot prove negligence against the driver of the red car who is also an innocent party. The claim is against the driver of the black car or the Motor Insurers Bureau if they can't be traced.
 
pretty certain knock for knock is a different scenario , usually when 2 insurances can agree on blame so take the easy way out and pay for there own damage , much to the annoyance of the aggrieved party.
but each to there own my original advice stand,
it sounds like the ops insurance isnt doing anything, so negligent, if all else fails solicitor and letter before court to churchill
 
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