Hi Grandson is 'fully' insured but didn't take out the option for legal cover as he's only 19 and the Insurance was very expensive anyway and legal cover was an extra so sadly no one realised he hadn't until the accident. I have been talking to a friend who is in a similar type of situation and he says the Police will hang on to the car until they either charge the other guy who caused the collision or decide not to proceed with it. So the Insurance company won't be making an offer on the car and any contents for some time - is that correct ?

I'm no expert, far from it, but it sounds to me like your grandsons claim is with the other driver's insurer.

However aside from that, make sure him and his mother are not pressured into accepting a much lower offer than they otherwise should be entitled to for their injuries....forgetting the car at this point.

It may take a very long time before things are processed and negotiated fully, medical eximanations, reports etc...and it's in the insurers interests to keep the ball rolling as long as possible knowing full well that most people in this situation won't have the necessary funds in back up and will feel pressured to accept a lower payment, any payment, to clear their possible mounting debts if nothing else if they have been unable to work and full sick pay wasn't forthcoming.

I cannot stress this highly enough having seen the pressures to accept on my best freind following a serious industrial accident which put him at home for a year...fortunately like us he didn't p his money up the wall over the years prior and was able to hold firm for the full amount however long it may have taken (plus he's the most stubborn man, after my late dad, i know), over 2 years in his case.

Your grandson only needs a £500 banger to get to work, so steer him in the right path.

He needs proper legal representation however its funded.

Edited by gordonbennet on 09/02/2015 at 19:39

Apologies for apparent thread drift. Some of you may find this site useful. www.ceoemail.com/

A friend of mine was refused a €250 compensation claim for a delayed flight, he went through the normal precedure and was refused on the basis (amazingly) that an unserviceable aircraft was not the responsibility of the airline. Sent a letter to the CEO and got the money within 3 weeks. The people at the bottom of the tree seem happy to reject claims and shrug their shoulders; when the instruction to deal with the matter comes from top and is delegated downwards the results seem good. Worth a try!

Thanks AS very useful post, put that site on my favourites for if/when needed.

Re original post it all seems straightforward as to guilt ( I was hit by a car overtaking as I turned right - no problems with insurance ) Therefore should be very little, if any, reason for successful claims.

Nothing to add to good advice already given.