jchu1988
20-07-12, 08:29 PM
Need a bit of advice before speaking to the insurance company.
Its a bit long so here goes:
"My mum was at the local waste recycling site and was parked (on flat ground) and ready to start to clear the boot when the car behind her edged forward, stopped and edged forward again. On the second time, he misjudged the distance, made contact and scratched through the paint on the bumper. Now as my mum does not speak enough English to be able to sort the issue out there and then, the other driver left his details on a piece of paper with his name and 1st line of address.
That evening, my mum and I went to the address, in the hope of resolving the issue without involving the insurance company. However, when we got to the given address, the bloke who answered the door claimed not to know this person or the vehicle registration at all. So with no other choice, we rang up the insurance company and informed them of the situation. Apparently, the guy is insured with the same insurance company and their details state he does live at the address given. We decide to proceed with a claim against the guy.
In the meantime, we took the car to be repaired at the authorised repairer and it has come to about 250 quid. My mum's excess is 300, which we paid first, on the advise from the insurance company that it will be claimed back from the other party.
Fast forward a few weeks, the insurance company rings up and says the other party now claims my mum has reversed into his car and was willing not to claim on my mum's policy as long as we don't claim on his.
Now my mum is understandably furious about this and has instructed the insurance company to contact the company that runs the recycling centre to obtain any CCTV footage that might help to prove or disprove either sides claim. However, that was fruitless as they have just sent us a letter saying that no CCTV was available."
Based on the fact that neither side can give conclusive evidence to prove the other side is at fault, they have said it was likely to be a 50/50 and my question is what is likely outcome of the 50/50 claim, ie, will she get half of the 250 quid from the other party?
We know her premium next year is gonna increase and she has protected no claims so that isn't an issue.
Its a bit long so here goes:
"My mum was at the local waste recycling site and was parked (on flat ground) and ready to start to clear the boot when the car behind her edged forward, stopped and edged forward again. On the second time, he misjudged the distance, made contact and scratched through the paint on the bumper. Now as my mum does not speak enough English to be able to sort the issue out there and then, the other driver left his details on a piece of paper with his name and 1st line of address.
That evening, my mum and I went to the address, in the hope of resolving the issue without involving the insurance company. However, when we got to the given address, the bloke who answered the door claimed not to know this person or the vehicle registration at all. So with no other choice, we rang up the insurance company and informed them of the situation. Apparently, the guy is insured with the same insurance company and their details state he does live at the address given. We decide to proceed with a claim against the guy.
In the meantime, we took the car to be repaired at the authorised repairer and it has come to about 250 quid. My mum's excess is 300, which we paid first, on the advise from the insurance company that it will be claimed back from the other party.
Fast forward a few weeks, the insurance company rings up and says the other party now claims my mum has reversed into his car and was willing not to claim on my mum's policy as long as we don't claim on his.
Now my mum is understandably furious about this and has instructed the insurance company to contact the company that runs the recycling centre to obtain any CCTV footage that might help to prove or disprove either sides claim. However, that was fruitless as they have just sent us a letter saying that no CCTV was available."
Based on the fact that neither side can give conclusive evidence to prove the other side is at fault, they have said it was likely to be a 50/50 and my question is what is likely outcome of the 50/50 claim, ie, will she get half of the 250 quid from the other party?
We know her premium next year is gonna increase and she has protected no claims so that isn't an issue.