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[personal profile] kardrath
Just been to a very nice meal at Wagamama's with [profile] batelfand [profile] cuthroseand came home to discover a letter from the solicitors dealing with the claim from the guy that clipped me.  Turns out that he doesn't seem to be insured/and or is claiming that he wasn't driving.  It now looks like I'm going to loose my 10+ years of no-claims and have to pay £100 excess.

Any ideas how to handle this?  I wouldn't have even claimed it he hadn't said it was entirely his fault and to put it all on his insurance.

Date: 2007-06-15 08:16 am (UTC)
From: [identity profile] areteus.livejournal.com
Well, if he claimed responsibility on the day and you have witnesses to this effect he really has no leg to stand on. I think he and/or his solicitor/insurance company are trying it on for size to see if you will fold. I'd talk to your insurance company first to see if they can help. They may be able to sick some of their own solicitors into this scrap on your side...

The only trouble comes if it is purely between your word and his so you may need to see if you have any evidence in your favour - witnesses, nearby CCTV, the police reports (if they attended the scene) and so on.

Date: 2007-06-15 11:26 am (UTC)
From: [identity profile] sarahlascelles.livejournal.com
Dave is unfortunately wrong, if he has no insurance then the claim becomes against your insurance.

I'm surprised your no claims wasnt protected after so long though? Can you negotiate with keeping some of it and only losing 1 year or so?

If he is insured and simply claims he wasnt driving, then presumably he'd have to prove this and present the actual driver. I dont know this for sure though.

Either way - *hug*

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