What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
At-fault driver is disputing our accident. Should I wait it out or claim on my own policy?
I was involved in a accident that wasn't my fault three months ago. My car was written of as Cat N and I accepted the car valuation that my insurer provided. However, the third party is in dispute now, probably because I don't have CCTV video or witnesses (only photos). Plus, the car reversed and hit my back, so the other driver may argue I 'hit' another car instead of another car reversed and hit mine. I'm worried that the liability will be 50/50 or end up being that I have more liability and I won't get my car valuation from them. I also used credit car hire provided by my insurer. If the liability split 50/50, will I need to pay half of the car hire cost and will I only get half of my car valuation? I thought of claiming on my policy but it leaves a record and the excess is almost 30 per cent of the car valuation. What should I do?
Asked on 13 May 2020 by CK
Answered by
Honest John
Once you have gone down this route, you need to stick to it. You could become liable for the charges if not. Leave everything to the insurers, they took the claim on so it is up to them to pursue the other party. Request the insurer inspects both your vehicle and the other party's vehicle - this should validate your claim of your version of events. It is late to say it now, but I would not have used a claims management company if there was any potential for dispute.The at-fault party has three months to make a reasoned offer of settlement or provide evidence as to why they dispute liability.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
I am wondering if there is some kind of ombudsman/arbitration service available for a dispute with a garage. Long story short, I took my van into a Birmingham van dealership. It was not starting well on...
At our home, we often have very restricted access to our driveway due to a neighbour who parks a commercial van in the road opposite. There are no parking restrictions in this quiet, residential street...
I recently visited the Asda supermarket at Shipley, which operates a two-hour parking limit policy, but unfortunately I was late in returning to my car and found a parking notice attached to my windscreen....
Elsewhere on 
.jpg)
