Insurance nightmare take 2
- Thread starter Pebbles
- Start date
Similar thing with me, guy hit me then denied everything with nothing to back his words up. Legal cover was a god send!
Even though my father in law and I crafted the letters (due to his ex career I'd rather have had him do it than the solicitor
) the solicitor forwarded them on and did the rest of the legwork. After not getting any decent responses from the third party my solicitor said he was going to take them to small claims court. A week later a letter and a cheque for all my repairs is in the mat 
The guy who hit me was some spotty oik who obviously just didn't want to admit he was wrong and lose his ncb for something that was blatently his fault. When actually facing the thought of going up infront of someone to defend himself either he or his ins co actually realised he had no defence.
Sadly people like this are out there
Even though my father in law and I crafted the letters (due to his ex career I'd rather have had him do it than the solicitor
) the solicitor forwarded them on and did the rest of the legwork. After not getting any decent responses from the third party my solicitor said he was going to take them to small claims court. A week later a letter and a cheque for all my repairs is in the mat The guy who hit me was some spotty oik who obviously just didn't want to admit he was wrong and lose his ncb for something that was blatently his fault. When actually facing the thought of going up infront of someone to defend himself either he or his ins co actually realised he had no defence.
Sadly people like this are out there
Soldato
- Joined
- 25 May 2003
- Posts
- 9,361
- Location
- Limehouse
Treefrog said:
That's why there should be a flat £5000 fine for no insurance, would certainly put more people off than the status quo.
Mad old tory said:
Over here (at least in Minnesota) getting caught with no insurance = no license.
And trying to get insurance after a license revocation is absolutely astronomical!!
Oh, and you can't get the next years' tabs (equivilant to your MOT and tax disc) without a valid license. And you can't get your license renewed until you prove you've got current insurance!!
But in my opinion insurance companies are as big if not bigger crooks than the oil companies. I've been driving since August 1984. I have NEVER been without insurance since. I figure the average cost per month I've paid has been somewhere around $125 - $150 month. 28 years plus 8 months is 344 months. 344 months times $125 a month is $43,000. 344 months times $150 a month is $51,600. Now, in all that time I have only ever caused $581 damage to a car that was my fault.
So where does it seem fair the amount I've paid out in comparison to what I've used? And if I continue to drive through the age of 70 like my father did, I will have driven another 388 months for an additional $58,200 for a princely sum of $109,800. That would give me a pretty nice house for my family, you know that? And all for what? On the ******* GAMBLE that I MIGHT be involved in an accident?!?!?!
Sorry, I'm not a gambling man.
Mickey_D said:
Been done here, they get a ban for no insurance, so they just drive without insurance and a licence...
Get caught again, custodial sentence, get out, cant get job, licence, insurance, but can buy an old clunker with 6 months ticket on it, so they drive with no insurance again...
meh, car insurance = legally endorsed theft... I'f I didn't have to pay it I wouldn't. In my ten or so years of driving, my experience of insurance companies leads me to think that they are all leeches.
I've had a couple of relatively minor accidents over the years- none of which have been my fault - and every time it's a right struggle to get what you are owed from the insurance people.
The last time this happened, my car was parked outside my house when some fool clipped the drivers side front wing, ripping off most of the front bumper valance and smashing a headlight and knackering the outer skin of the wing. I took the car to my insurance companys registered inspection garage with clear instructions for the assessor to do nothing with the car until I had spoken to him about the cost of the repairs etc. A week went by and when I called to find out what was going on, I was told that the insurance company had 'scrapped the car because the cost of repairs was going to be more than the current market value of the car' so about 1200 quid (I was paying a premium for a value of £3000.00). Then they tell me that because of the new government rules designed to prevent unsafe vehicles and/or scammers I can no longer get the car back and re-register it and put it back on the road.
YOU CANNOT BE SERIOUS MAN! [/macenroe]
I was livid. So, long story short- insurance company gets 3 years of premiums valued for 3k, plus the scrap value of an otherwise mechanically sound car, 6months road tax which was never returned to me despite my asking for it and they only pay out about £800.00 as the going insurance value to me. Great.
On the whole they did rather well out of me.
And to top it off, about 5 months later I get a letter from the sevenoaks police/DVLA saying that my car has been seen, untaxed, parked on a public highway and would I like to pay up now, or wait for the ensuing fine! I told them it was scrapped by my last insurance company and has not been my vehicle for nearly six months, and would they like to take it up with them?
I have to say it's a good job guns are not so readily available in the UK, as on that day I could have quite happily rampaged through the offices of my (now ex) insurance company. It still makes my bloodpressure rise just thinking about it.
Still, one lives and learns, eh?
I've had a couple of relatively minor accidents over the years- none of which have been my fault - and every time it's a right struggle to get what you are owed from the insurance people.
The last time this happened, my car was parked outside my house when some fool clipped the drivers side front wing, ripping off most of the front bumper valance and smashing a headlight and knackering the outer skin of the wing. I took the car to my insurance companys registered inspection garage with clear instructions for the assessor to do nothing with the car until I had spoken to him about the cost of the repairs etc. A week went by and when I called to find out what was going on, I was told that the insurance company had 'scrapped the car because the cost of repairs was going to be more than the current market value of the car' so about 1200 quid (I was paying a premium for a value of £3000.00). Then they tell me that because of the new government rules designed to prevent unsafe vehicles and/or scammers I can no longer get the car back and re-register it and put it back on the road.
YOU CANNOT BE SERIOUS MAN! [/macenroe]
I was livid. So, long story short- insurance company gets 3 years of premiums valued for 3k, plus the scrap value of an otherwise mechanically sound car, 6months road tax which was never returned to me despite my asking for it and they only pay out about £800.00 as the going insurance value to me. Great.
On the whole they did rather well out of me.
And to top it off, about 5 months later I get a letter from the sevenoaks police/DVLA saying that my car has been seen, untaxed, parked on a public highway and would I like to pay up now, or wait for the ensuing fine! I told them it was scrapped by my last insurance company and has not been my vehicle for nearly six months, and would they like to take it up with them?
I have to say it's a good job guns are not so readily available in the UK, as on that day I could have quite happily rampaged through the offices of my (now ex) insurance company. It still makes my bloodpressure rise just thinking about it.
Still, one lives and learns, eh?
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