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Should I dispute a 50-50 insurance settlement for an accident that wasn't my fault?
The other day I had been to my local garage and was just about to pull out of the forecourt when a woman turned right off the main road onto the forecourt and then (I guess) swung round to go right again into the area where the petrol pumps are. As I drove forwards towards the road she hit my car hard on the driver's side. The A-pillar and suspension were damaged and it was written off. My insurance first told me they thought it would be her liability, then (when it seemed the other party wasn't going to immediately admit liability) said maybe it would have to be 50-50 as we were both manoeuvring at the time. What do you think? Should I fight it if I lose my excess, and if so what do I have to do?
Asked on 28 May 2010 by FranA
Answered by
Dan Harrison
If you don't think that you were at fault, then you should fight your corner. The downside is that it could take some time to resolve and there's no guarantee that you'd get better than 50-50 - even if you weren't to blame. And if it's a write-off, you could be without a car for some time. You may decide that trying to hold onto your excess isn't worth the hassle, especially if you have protected no claims bonus.
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