Pursuing a road accident claim

Your initial claim is the party who caused the accident, i.e. the driver. But the car is owned by and registered in the name of the rental company. So I'd send a letter to the driver, and send a copy to the rental firm with a covering letter. They will ask the driver, if they haven't done so already, to complete an accident report form and pass it to their insurers. Once this is done you'll be dealing directly with the insurance company over your claim.

Alec

Use an uninsured loss recoveery company, i did they was brilleient organised my repairs, a couresy car, collection of my car from my home, and persued all costs for me.

the company recomended to me was Claim Link UK ( sounds like ambulance chasing lawyers but they arnt)

there Tele is 01706 231 991

IIRC they where bankrolled by a company called centrus,

Oh amd the bloke i spoke to was called nick.

If you pay £10 insuarance your covered even if the claim goes pear shaped, and they end up having to pay for your repairs once they agreed to take it on.

Nothing but praise for them!

If you have no injury and are not pursuing a claim then.

1. Start keeping records of all expenses now - taxis, buses, etc.
2. Get a quote for reapir of your car.
3. Write a letter (at least proof postage) to the driver and the hire car company stating you hold them liable etc, enclosing a copy of the quote and ask them to either accept responsiblity for fixing your car at the garage, or to suggest an alternate garage.

They will either accept the offer or pass it on to their insurers - if it's uncontested then there shouldn't be any problems.

Go directly to the Hire Company (ignore the driver), it is their car almost certainly their insurance and their problem.

I may be being thick here, but...

Someone ran into the back of you. OK, you've only got TPFT, but does that matter? Surely your insurance company should do all the running round here?

Or do you have to be FC, have it fixed under your policy, and then claim back everything off the other party?

Pete.

I think that TPFT covers your car IF your insurance company think it can claim ALL monies from the OP insurance.

Third Party, Fire + Theft is just that - insurance against claims made by a

In the case of having Fully Comp insurance, you just claim off your policy for the damage, and then your insurer will do everything they can to get their money back off the other driver's 3rd party insurance.

As you can see, when you've just got 3rd party, there's no real financial gain to the insurer to do the donkey work for you, hence they tend not to do so.

No you're not. Hand the details over to your insurers and they'll pursue the claim.

With a TPFT policy if you;re hit by someone else the claims procedure is exactly the same as for Comprehensive EXCEPT that you don't get your car repaired first.

No they wont. Do you actually read what the question is Conor or just spout random s**te?

John

This is what I expected and exactly what my insurance company told me.

And neither is there any incentive for the Third Party's insurer to contact mine, as they have no claim against me.

They have details of the accident. David Hearn is apparently correct: as I haven't taken out legal protection cover, they will not pursue it on my behalf.

Many thanks. This sounds like an excellent suggestion.

Not with a TPFT policy they won't If he's lucky then he will have a loss recovery policy as well that he can use

Never having had a claim like this (only glass), I don't know how it works.

I've always assumed that if I'm run into, I tell my insurance, and just say "Get it sorted".

OK if the OP doesn't have FC, he doesn't get his car fixed first (and TBH, in the experience of others, this could be 3 years worth of hire cars!), doesn't the insurance company take care of all of this?

Conversely, if I've got FC and am run into, do I get the car repaired on my insurance, but do _I_ then have to chase up the other insurance co?

Pete.

Must be a crap insurance company. THey persued my missuses claim when a doddery old git pulled out into the side of her Astra.

You get what you pay for, I suppose. Their premiums have consistently come in lower than anybody else's.

With fully comp, they will pursue the claim (or try to claim of your own insurance until you tell them that that isn't going to happen then pursue the claim).

With third party only or TPFT and no legal cover, they won't pursue the claim for you (or at least they are under no obligation to do so).

-- James

If the other party is admitting full responsibility then apart from requiring to be notified of the incident his insurance company will not be interested. Happened to me a few years ago and took months to settle. Since then I always take the legal cover. It's about a tenner a year.