Insurance

PU7E

PU7E

PU7E

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So after the learner driver pulling out on me on a roundabout back in July, I recieve a letter through the post this morning from the instructors insurance company demanding 4k....

I obviously want to contest this but my insurance company are useless and even after 2 requests back in Feburay they never put legal aid on my policy and I now don't have any, do I need it for contesting the claim?

Has anyone had a situation like this before and what did you do?
 
PU7E said:
do I need it for contesting the claim?
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Nope, you just need either knowledge & the time to use it to contest the claim yourself, or, deep pockets to pay some one else to contest the claim on your behalf.
 
gillywibble said:
Your insurer will contest the claim, legal cover is for you to pursue your own claim against them.
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After a bit of research this seems to be the case, I was starting to get really worried there and having glum thoughts of silly high legal bills.

I phone my insurance at the time and gave them a full report on it, so should be straight forward.
 
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Just forward it to your insurance company, I had someone trying to put a CCJ on me when there was a collision as they thought the insurance company were dragging their heels so came after me!
 
PU7E said:
Can they do that?
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Yes, of course they can. A claimant has the right to issue court proceedings at any time, subject to giving appropriate notice under the Road Traffic Act. However, it is only likely to occur where there is a dispute over the accident circumstances and/or the amount of compensation to be awarded.

In the majority of cases, court proceedings are avoided by way of negotiation in order to keep costs to a minimum.

A judgment will only be awarded in circumstances where a decision is reached at trial or where the proceedings are not responded to. The latter situation would be very unlikely where you have insurance.
 
gillywibble said:
Yes, of course they can. A claimant has the right to issue court proceedings at any time, subject to giving appropriate notice under the Road Traffic Act. However, it is only likely to occur where there is a dispute over the accident circumstances and/or the amount of compensation to be awarded.

In the majority of cases, court proceedings are avoided by way of negotiation in order to keep costs to a minimum.

A judgment will only be awarded in circumstances where a decision is reached at trial or where the proceedings are not responded to. The latter situation would be very unlikely where you have insurance.
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Started the ball rolling and have the accident number from when I reported it back in June, gave my insurance company a call earlier and I've now faxed them the letter.

Hopefully it's straightforward, although with the fact I have this letter I have a feeling the instructor is going to contest and try and milk it for all he can.

How long do these things tend to take?
 
"Holly thread revival batman"

Well 2 years on and the instructors insurance company are taking my insurance company to court.

My insurance company have instructed a solicitor to act on their behalf, the case seems to be between the instructor and my insurance company and the solicitor and I seem to be a witness in the case.

Anyone been through anything similar and have any advice as to what is actually going on and if I myself should be doing something?

All I've been asked for so far is dates I can't attend a hearing.
 
So whats the back story to this again?

Learned driver pulled out on you? so I am guessing an accident happened? and now the instructors insurance wants to blame you? lol
 
Fireskull said:
So whats the back story to this again?

Learned driver pulled out on you? so I am guessing an accident happened? and now the instructors insurance wants to blame you? lol
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Learner driver pulled out, I swerved to the rear to try and avoid them as swerving in front of the car is just stupid and they want to blame me and are taking it to court.

On the bright side I now have a Drift HD and don't leave the house without it recording ;)
 
This is one of those cases where if you are not found at fault that instructor should loose the right to teach people, this culture of lying and blame on insurance needs to stop :(

*Haha was just going to say another plus point for wearing a camera every ride :D
 
Fireskull said:
This is one of those cases where if you are not found at fault that instructor should loose the right to teach people, this culture of lying and blame on insurance needs to stop :(

*Haha was just going to say another plus point for wearing a camera every ride :D
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It does suck, but I guess that's how it goes. I'm just wondering if I need a lawyer?

I'm now considering selling the SV, getting some slippers a pipe and a R1200GS :o
 
Well the case is between the other party (named) and the insurance company, the insurance company have a lawyer and want me as the witness, so not sure who the case is between and who the lawyer is really for and if I need one or just that one.
 
Can you call the insurance company to clarify these things? if you are just a witness then no just rock up all should be fine.
 
I phoned them earlier but there was a lot to go over, I'll give them a call when I'm back from Glastonbury :D to get further clarification.
 
my dad had an accident where some one tried to jam in on him from a round about and side swiped the car, there was lots of discrepancies on his story and took 2 years but it went to court and my dad was he winning case although he did have to spend 2 hours in a cell for kicking off. and it was for a £500 car with more damage then he paid for the car. 2k in court costs, 15k in total for the solicitors and judge all sent to the other party my dad did not have legal cover on his traders policy but would no way be able to cover them costs if it wasn't awarded to him.
 
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