Print

Please login or register.
1 Hour 1 Day 1 Week 1 Month Forever
Login with username, password and session length

[Del Boy]

My mrs had an accident in which she was hit from behind, anyway her car was a Saxo 51 plate 67k but previously a Cat C, anyway she spoke to an assesor he offered £600, she said go back and have a think, anyway they offered her £700 which she again refused. The assesor then said I'm passing it back to your insurance company, sonata didn't hear nothing for ages, then spoke to them and they offered her £400, and they said that's with the £200 excess taken out as the other party hasn't admitted liability, now she was hit up the arse so why are they taking her excess?

[hotel21]

You answered your own question...

and they said that's with the £200 excess taken out as the other party hasn't admitted liability

Any time I have been in such a situation I sent a letter, recorded delivery/signed for to the other party (copied to my insurance company) holding the other driver whlly responsible and requiring payment of my excess within 14 days (10 working days) and thereafter I would add and require interest payment at current daily baserate plus 5%.  I also reminded tham that they were liable for my hire car costs and required transport costs as, due to their actions, I incurred further expense to the norm.  I conceded a value for fuel that i would otherwise be using, but laid it out plain and clear.

Has worked 3 times now, over the years, with one paying the quoted interest fee etc after 30 odd days!

[Del Boy]

Thanks H21 

[hotel21]

Bear in mind that your insurance company is not liable for your excess.  That is something you previously agreed with your insurance company, either as an integral part of your policy or a voluntary excess requested by you to reduce the premium. 

If there was a compulsory £100 plus a voluntary £200 then total excess that will not be paid out by your insurance is £300 and would require paying by either the guilty insurance company or the other driver.

If you settle the claim, minus your excess costs, the accident will still be considered as a 'fault' claim by your insurance company and your no claims will be subject to amendment according to your policy.  If it is still outstanding at renewal, your renewal fee will be loaded accordingly, hence the requirement (in my opinion) to get it cashed up as quick as possible by the party at fault.

Back up your correspondence with witness statements and photographs of the damage/locus if possible.  It all goes to getting things rolling soonest.... 

[Del Boy]

She got a letter yesterday saying they were paying her the £400 plus another cheque with the rest of the amount, she's got the £400, but she hasn't yet agreed a total price for it all?