Peugeot 207 - Car Insurance- 14months from alleged accident!

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Tue 12 Apr 2011 17:28
Peugeot 207 - Car Insurance- 14months from alleged accident! - C09

I was involved in an alleged accident on the 1st Feb 2010. The initial statement and diagram process was started fairly quickly but my last communication with my insurance company was 1st July 2010 when they said the only option was split liability. I accepted this (despite not being at fault) and had not heard anything since. When I renewed my insurance in August 2010, I was told that split liability meant, I pay for the other drivers damage and he pays for mine (of which there is NONE!) . Anyway, I heard nothing until today when I got sent an email asking for a diagram from me and an explanation of where I was and when.

Firstly, is there idea of split liability correct and fair? Secondly, is it acceptable to hear nothing for over nine months and then to get in contact out of the blue like this? I would be very grateful for any ideas here as this is agony being dragged up again after so long!

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Wed 13 Apr 2011 08:06
Peugeot 207 - Car Insurance- 14months from alleged accident! - LucyBC

We would need a lot more information as to the circumstances as to whether split liability is fair but unless there is a clear cut case (such as rear end shunt and no frontal damage to the leading car) and/or an independent witness many cases will be dealt with on a split liability basis.

Split liability means that the damage to both cars (and people) is added together and split in the agreed ratio. In a case where the liability is 50:50 then the damage is divided equally,. If the third party suffered damage and you suffered none, then you pay 50% of his repair costs.

In an accident case the limit on a personal injury claim is three years and (in theory at least) on the bent metal is six years so nine months is well within the margin.

Edited by LucyBC on 13/04/2011 at 08:06

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