Associate
Hey all,
While travelling up the M3 a few months ago I hit the back of a Clio. We weren't going very fast and all the damage I caused to his car was pushing the bumper in. While we where at the roadside I managed to pop the bumper back out leaving nothing wrong but flaked paint covering a 6 inch square patch on his rear bumper.
I promptly called my insurance company and started the ball rolling with a claim. I was told that everything was being looked after and that I had given them enough information to start the claim.
Now, 3 months later, I have received a special delivery letter from his insurance company stating that my insurance company aren't corresponding with them and that they are holding me personally responsible for the accident!
They have stated that;
"We have now informed your insurers that if payment is not received within the next 14 days, it is our intention to pass the file to our nominated solicitors who will commence legal proceedings. As we are holding you responsible for this accident, these proceedings will also be issued in your name at the above address" (above is my home address!)
The amount they are asking for is £576.82 which may not seem too bad, however I'm getting married in just over a month and have NO money to spare for any sort of payment like this.
I've just got off the phone with my insurance company who have told me the this is a standard pratice in the business when they can't agree the amount to be paid and that I shouldn't worry about it as they are sorting it out for me.
Has anyone got any experience in the car insurance business?
Is what my insurance company have told me right?
Should I be worried that I can't pay the best part of £600 in 2 weeks?
Cheers in advance
While travelling up the M3 a few months ago I hit the back of a Clio. We weren't going very fast and all the damage I caused to his car was pushing the bumper in. While we where at the roadside I managed to pop the bumper back out leaving nothing wrong but flaked paint covering a 6 inch square patch on his rear bumper.
I promptly called my insurance company and started the ball rolling with a claim. I was told that everything was being looked after and that I had given them enough information to start the claim.
Now, 3 months later, I have received a special delivery letter from his insurance company stating that my insurance company aren't corresponding with them and that they are holding me personally responsible for the accident!
They have stated that;
"We have now informed your insurers that if payment is not received within the next 14 days, it is our intention to pass the file to our nominated solicitors who will commence legal proceedings. As we are holding you responsible for this accident, these proceedings will also be issued in your name at the above address" (above is my home address!)
The amount they are asking for is £576.82 which may not seem too bad, however I'm getting married in just over a month and have NO money to spare for any sort of payment like this.
I've just got off the phone with my insurance company who have told me the this is a standard pratice in the business when they can't agree the amount to be paid and that I shouldn't worry about it as they are sorting it out for me.
Has anyone got any experience in the car insurance business?
Is what my insurance company have told me right?
Should I be worried that I can't pay the best part of £600 in 2 weeks?
Cheers in advance
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