Skoda Citigo - Car insurance

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Mon 14 Jul 2014 22:18
Skoda Citigo - Car insurance - ClaireEll
In May my daughter was involved in a minor traffic accident, the other car was at fault and admitted liability ( it hit her from behind) details were exchanged and she immediately informed her insurance company( she is fully comp and has her no claims protected) she was contacted by her insurers approved garage and arrangements were made to repair it, this was all done and she thought this was the end, yesterday she received a letter from a solicitors acting on behalf of her insurance company to recover the costs from the other party's insurance company, she rang her ins company and they said the other company refuse to pay) this letter has made her anxious and asks her to sign it so they can make the other ins company pay. I have seen the letter and it doesn't make sense, what should she do?
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Mon 14 Jul 2014 23:18
Skoda Citigo - Car insurance - RobJP

Tell them that you want the letter written in plain english.

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Tue 15 Jul 2014 14:27
Skoda Citigo - Car insurance - thunderbird

Your daughter has got her car repaired, that all that matters to her. She has protected no-claims so her next premium should not be affected. If she was not at fault she should have claimed her excess back from the 3rd party by now. If she has legal assistance on her policy they will help with this.

But it is not her problem if the insurers cannot agree about who pays, that is their problem. She should state clearly in a letter that they have received all her information when she submitted a claim and that is the end if it.

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Wed 16 Jul 2014 12:48
Skoda Citigo - Car insurance - martint123

If the excess is not reclaimed from the thrid party then this will go down as a claim.

The NCB is protected, but the premium is not, so expect an increased premium next year.

I would have thought it normal practice for her insurer to instruct solicitors to take action against the third party if they deny the claim and they act on bahalf of the claimant rather than the insurer.

The above is if they are the solicitors of the insurer and not some claims management outfit.

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Tue 29 Jul 2014 16:25
Skoda Citigo - Car insurance - concrete

Oh dear, how depressing! The all too familiar change of story after the event. The recovery of the damage costs is nothing to do with your daughter. The insurance companies are big boys and they can defend themselves. Just make it clear to them if they settle this claim that NONE of the blame or claim is lodged against her. Also get them to recover her excess at the same time or start a claim yourself to recover it. Given the damage was clearly caused from behind it is a slam dunk case, should it go to court. Get photographs from the accident repair company to show the damage. I have been down this route and they always pull out a short time before the Small Claims Court hearing and admit defeat. Why they play this silly brinkmanship is beyond me but anyone who can patently lie like a door mat is clearly twisted anyway.

She should inform her insurers solicitors that if they intend to proceed she will support them and they can add her excess to the claim. Her premium will rise in any event, even because of a no fault claim, it increases her risk factor. Her no claims discount is protected but will apply to the higher renewal premium.

Good luck. Concrete

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Tue 29 Jul 2014 20:51
Skoda Citigo - Car insurance - ClaireEll
Thank you for your advice
She has kept a text from person who hit her get asking if he can pay for the damage without going through insurance, she had photos as well immediately after it happened, either way she was not at fault.
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Fri 15 Aug 2014 17:21
Skoda Citigo - Car insurance - csgmart

Spam - do not click on link

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