Back in November 2008 I had a crash, with my little Ford KA being written off. Basically someone T-Boned me on a mini roundabout, when I had right of way. 2 ambulances, a fire engine and a police car were all in attendance (even though both myself and the other driver were all were able to get out without any problems). Still it was nice to see the emergency services reacting so quickly! I exchanged details with the other driver, and we tentatively agreed that I was not at fault. I wish not to name his insurance company, but to give an indication the quotes that they tend to give me for my KA were usually £800+. Knowing the premiums that this company charged I felt confident that the claim would be dealt with swiftly, what a stupid thought that was.
My insurance company arranged a very quick removal of my car, the details of the crash were logged, and I was very pleased with the service. My level of insurance was such that a temporary hire car was a risk, if the other party did not admit liability for the crash then I would have to foot the bill, if they did admit liability I was free to claim on their insurance for a hire car. I declined this option deeming the risk too great. Instead Su’s parents stepped in with a kind offer of their second car till Christmas. I cannot tell you how grateful I was for this gesture!
After a few days I contacted my insurance company, who assured me that they would contact the other party’s insurance company and then the fun would begin. 1 month later we were still waiting to hear from the other party’s insurance company. In fact we waited a very very long time. Whilst we were waiting we received the money for my car (as it was written off) minus the excess as the other party had yet to admit liability.
Many phone calls and weeks later…. In June I received a letter informing me that we were going to take matters to the courts, as the other insurance company had not responded. I was incredulous, 6 months had gone by and still two insurance companies had not managed to talk to each other, and I can only take it on the word of my company that it was the others fault. I dutifully filled out the forms, and roughly 2 weeks later we received a letter and a cheque for my excess. The other company had finally got in touch, and agreed that the crash was not my fault! It was such a shame that it took this long (nearly 7 months) and the threat of court to get this resolved.
One last thing, whilst waiting for the other insurance company to get in touch I had to renew my car insurance. As the crash was still against me, having paid out for the excess I was looking at a premium without a No Claims Bonus, which after some searching around we decided was ok (we were fairly confident that we would get our NCB and excess back). The renewal was with the same company that I was with when I had my crash, and yet once I was told that the crash was not my fault, I had to call them to ask for this year’s premium to be adjusted in accordance with regaining my NCB! Surely they should have a system where they contact me!
Anyways this post was all about having a cathartic release as it has been more stressful then I imagined.