Is my son's insurance company going for the easy option by settling a claim against his own insurance?
My son in law was involved as the middle car of three in a minor shunt. The car he hit in front of him suffered no damage and the driver is not making a claim against him. His car was damaged on the off side bumper, rear panel and possibly the offside rear wheel. His insurance company says that as he hit the car in front and is not claiming, that he was pushed into it by the actions of the driver behind. They will not pursue the driver or insurance company, but will settle against his insurance (having offered him a courtesy car for the duration of the repair). What are his rights and are the insurance company just going for the easy option? It almost seems he would have been better placed if he had not told the truth!
Asked on 28 May 2010 by figment
Answered by
Dan Harrison
It's always difficult to decide who is at fault with these type of accidents. If your son-in-law has said that he hit the car in front and was not pushed by the car behind, then he has admitted liability to the insurance company. That is why they are settling against his insurance. If they tried to pursue the driver behind, they would be acting fraudulently, as your son-in-law has, in effect, admitted that it was not fault of the driver behind. You may be able to get more insurance advice in our FAQ section: www.honestjohn.co.uk/faq/list/
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