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[alfie]

Advice needed please,My son recently was involved in a accident,his car was rear ended and was wrote off.
The insurance company Santander,has settled on a sum of £1700,but subtracted his excess of £500.
Now the accident was in no way his fault,and the other party has admitted their fault.
Should not his insurance had paid the full amount,and then claimed it back the the other parties insurance.
My son and his girlfriend have yet to accept the insurance 's offer for their medical and injuries.

[Lizzie_Zoom]

No.  How it usually works is a separate claim, along with the injuries, has to be made as "uninsured losses" by a solicitor that any good insurance company arranges for you.  If not engage one separately

[scimmy_man]

Im sure the ambulance chasers will help him.

[hotel21]

You can recover the monies yourself without employing a solicitor or a percentage ambulance chaser.

Simply write a letter, sent recorded or registered or whatever so that signature required on receipt to the other driver stating you are holding the other party wholly responsible for the crash and claiming immediate reimbursement of your excess, car hire costs, taxi fares etc etc and for the inconvenience that they have caused by their error.  Also remind them that the third parties insurance has paid out as a fault claim.

Send a copy to their insurance company as well as your insurance company.  Remember to have the claim number and your policy number plainly evident in the header of the letter.

Think about giving a timescale of 10 working days from day of receipt, otherwise you will apply interest on the capital sum at, say, 25% above Bank of England base rate as at the day of posting.  Might perhaps overegg the pudding but might just get the wheels turning faster...... 

[Andy B]

When SWMBO was in the same situation last year, Admiral (her insurer) paid her out the whole lot and claimed the excess back from the 3rd party

[Dodger]

My current policy includes legal help to recover excess in the case of a non fault accident.
Last year when  I was shunted by an old dear whilst stationery, the insurance co. did the whole lot, including reclaiming the £100 excess from her insurers with no fuss at all. All done neat & tidy, in just over 3 weeks.   

[Lizzie_Zoom]

You can recover the monies yourself without employing a solicitor or a percentage ambulance chaser.

Simply write a letter, sent recorded or registered or whatever so that signature required on receipt to the other driver stating you are holding the other party wholly responsible for the crash and claiming immediate reimbursement of your excess, car hire costs, taxi fares etc etc and for the inconvenience that they have caused by their error.  Also remind them that the third parties insurance has paid out as a fault claim.

Send a copy to their insurance company as well as your insurance company.  Remember to have the claim number and your policy number plainly evident in the header of the letter.

Think about giving a timescale of 10 working days from day of receipt, otherwise you will apply interest on the capital sum at, say, 25% above Bank of England base rate as at the day of posting.  Might perhaps overegg the pudding but might just get the wheels turning faster...... 

I hear what you are saying Ht, but injuries were apparently involved here, so with a solicitor working for you they can recover all the going rate of compensation for those injuries, whilst recovering their costs separately from the third parties insurance company that does not affect your / passengers payout

[hotel21]

......
My son and his girlfriend have yet to accept the insurance 's offer for their medical and injuries.

Lizzie - I read the OP as being looking to recover the uninsured losses i.e. insurance excess etc, rather than an outstanding medical claim which, as per above quote, appears ongoing?

[Lizzie_Zoom]

......
My son and his girlfriend have yet to accept the insurance 's offer for their medical and injuries.

Lizzie - I read the OP as being looking to recover the uninsured losses i.e. insurance excess etc, rather than an outstanding medical claim which, as per above quote, appears ongoing?

Ok Ht I can see that now

But why not get that solicitor involved then in the uninsured loss claim.  You cannot lose, as they will recover their costs from the third party obtaining 100% of the excess claim

It just seems the simpliest way of doing it

[alfie]

Thanks for all the advice everyone,very grateful for it,Re injuries my son had whiplash,Honest! but was starting a new job next day so he had to suffer and go. His girl suffered facial cuts,had to have surgery,(she's a nurse at the same hospital,so she;s treated first) and whiplash.
SoI would think,that it is going to be quite a lot of money involved.