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Effing car insurance companies

Hey all,

I don't post very often, only a couple of articles since this site began.....and I know this is nothing about football, just looking for some advice as I'm pee'd off with what's happened with after a car accident I was in last month.

A woman crashed into my car while I was driving on a 40mph dual carriageway (in the outside lane), she was trying to turn right across both lanes in front of me, I wanted to throttle her but had to ask her 'are you okay' as she was bawling her eyes out, both of us were fine but my car suffered £7500 damage (so far), sorry trying to cut a short story long here.....

Once I got the damage report in from the garage the insurance assessor picked up on damage to the back bumper that was not there prior to the accident but because he has said that the damage couldn't have been caused by the accident, bearing in mind they never wanted any of the information or photos I have after the incident, they are now refusing to pay for the rear damage.......I've phoned and phoned direct line who have said the assessors decision is final, so now I'm in the position where I'll have to pay for it myself, then try and go through the financial ombudsman to claim it back.

Just wondering if anyone else has had similar problems and what the timescales were on getting the money back?

comment by Edgie (U7142)

posted on 9/3/16

Insurance companies will do anything they can not to pay out.
Short story we offer drivers negligence insurance to our customers, covers for damage to their vehicles and nothing else.
One of our drivers had a heart attack while driving and artic.
He steered the vehicle off the road away from the traffic, hit a tree. he died sadly. But the police gave him a commendation for saving lifes.
The insurance company refused to pay out, their logic he was dead so not driving the vehicle , therefor not negligent.

comment by Silver (U6112)

posted on 9/3/16

Wow, surprised about that. Unlikely they could prove exactly when he died. In any case aren't you alive legally until medical pronouncement?

comment by Edgie (U7142)

posted on 9/3/16

Silver
Lets just say I was rather unhappy it cost us a good customer, and cost him his 10k excess
and when I tried to move to another insurance company they said I had claimed it so my premium went up.
since then I make a point of not selling it

comment by Willmcq (U9152)

posted on 9/3/16

We had a woman crash into the back of us 3 weeks ago and to be fair she admitted fault right away and her insurance company are paying for it, however we were just about to renew our insurance and where told we had to say to making a claim even though it not our fault so the inurance went up 60GBP a year for something that was not our fault. It is a total disgrace you should be penalised for something that is not your fault!

posted on 9/3/16

comment by Willmcq (U9152)
posted 44 minutes ago
We had a woman crash into the back of us 3 weeks ago and to be fair she admitted fault right away and her insurance company are paying for it, however we were just about to renew our insurance and where told we had to say to making a claim even though it not our fault so the inurance went up 60GBP a year for something that was not our fault. It is a total disgrace you should be penalised for something that is not your fault!
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Two things...

1 ombudsman
2 tell em to take their insurance and feck off
comparison website time

posted on 9/3/16

Just took the dog to the vets, getting out the car and watched a car go up the erse of another car

BMW 3 series convertible, woman on her mobile not paying attention at the traffic lights and went straight into a Renault Clio.. whoops!

posted on 9/3/16

comment by JukeboxJunkie - A wrong decision is better tha... (U10162)
posted 3 minutes ago
Just took the dog to the vets, getting out the car and watched a car go up the erse of another car

BMW 3 series convertible, woman on her mobile not paying attention at the traffic lights and went straight into a Renault Clio.. whoops!
----------------------------------------------------------------------

To be fair she was probably confused that she didn't have an outside lane to sit in for no reason.

posted on 9/3/16

Funnily enough it was on a wee stretch of road with a filter lane

If she'd been driving like your typical BMW driver she'd have shot down the filter lane at 100mph before forcing her way back into the traffic flow.

posted on 9/3/16

I drive for a living...part time (delivery van)....see some pretty awful stuff...but surprisingly guys in vans are very good drivers (despite their bad press) and will go out of their way to let you out at difficult junctions

posted on 9/3/16

Update on my situation.....I called the customer relations team first thing this morning, spoke to a guy who has actually looked at the email I sent along with the pictures and he took it to his manager to have a look at the new details I've been trying to give them for over a week, he's been given the case to handle and has been on to the assessor to give him the updated details, phoned him this afternoon but he said he's still trying to find out to try and get it resolved as soon as, the cars front repairs are due to completed on Friday so he's agreed with me that it'd be best to get it resolved while the car is still in the garage, hopefully find out more tomorrow.....still been a ball-ache but a wee bit of light, get home tomorrow as well so I can have more time to make the calls....

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