Zurich motor insurer obfuscation -in short!

[andra1cass]

In short! End of may (I thought) I was communicating with Zurich about a falsely alleged incident. I had sent photos of both vehicles, police log no, and synopsis. No response from Zurich. In august a pedestrian shot out from the front of a parked vehicle - to avoid hitting her I swerved into a parked vehicle on my left. But because she ran off before I could take her details, 'fault' is down to me! Again post-zurichs second threatening letter,I never heard from them. (I even had to submit my own claim form. October, my car decided to take itself for a drive (yes the handbrake was overly engaged - I had to use both hands forceful lift to unengage it to move the car). Again, zero contact after another threatening letter. Again I had to send my own claim form.
Zurich advised they were accepting their other side's version of the first incident - over my dead body!. It wasn't an accident (I was stationary, and even the police said she was pulling a fast one).
Meantime I'm running ragged trying to get Zurich attention and have my own repairs done. All to no avail. At the same time I'm being harassed by this woman's 'partner/husband/whatever! In all I'm sliding into frustrated stress.
Fast forwarding... The august third party sent me aa 14 day 'final notice' - but six days into that "14 days", not by recorded delivery, proof of posting, 'special delivery' or even first class post!
SOLELY because they can't get my insurers to deal with them (its NO consolation I'm not the only Zurich ostracised!) the TP are holding me responsible for their insured's outlay plus costs/interest. Ie, something my OWN insurance should legally cover, but for Zurich's stalwart indifferent obduracy (that's mild!). If not already depressed, this threat will literrally tip me over the edge.
Why do incompetent 'professionals' (sic) in the 'service industry ass-u- me to keep threatening the very people who actually pay their wages? I digress ... Bit it needed being on record!
Despite not received until 6th January, by calculation of 14 consecutive days from letter's date - should be "working days"? - by 14th - Wednesday TP insurers will set the ball rolling!
Meantime I don't have £300, let alone £3,600. +, plus costs/interest! I only get a State pension - too much week left at the end of my frugal money.
I don't have the energy or will to fight (or go on if truthful). More especially if I go to prison for this 'set? I get panic attacks if confined, and I'm slowly being killed by the dread of being separated from my dog family.
Well done Zurich and DIRECT LINE - just because YOU BOTH can't get your act together! You narcistic babies!
Anyone know a mustard legal - to all intents, I only have another THREE DAYS of liberty left. So be quick! Thank you. BI!

[des8]

Re: Zurich motor insurer obfuscation -in short!

What cover do you have with Zurich:
Road Traffic Act
Third party only
Third Party, Fire and Theft
Fully Comprehensive

Re first incident: if Zurich have decided to accept the third party version of the incident, as your insurer that is their prerogative.
Under a policy of insurance the insured (you) subrogate your rights to the insurers (Zurich) who deal with insured incidents as they seem fit.
There ain't much you can do about it, unless you wish to take on the risk yourself.

RE second incident: This will always be classed as a fault incident.
The argument could be along the lines you were travelling too fast for the road conditions (parked cars in residential/shopping area: possibility of children popping out from between cars ......)

Re third incident: your car, who was last driver? If it set into motion under its own either the handbrake was not properly on, or there was some other fault with the vehicle.
Your vehicle so you or last driver will be held responsible.

On the basis you do have at least third party insurance you should refer any correspondence to your insurers and not enter into any dialogue with the third party. other than to inform them the matter has been referred to your insurers who are Zurich, with policy number XXXXX.

If Zurich fail to respond that is their problem , not yours unless they have informed you they have withdrawn cover (which I doubt)
Just keep doing things correctly and calmly.
Let them sort it.

If it goes to court, it will be a civil case and your insurers will be on board as they will be named as a defendant.
Civil cases do not end up with prison sentences, so sleep easy

[andra1cass]

Re: Zurich motor insurer obfuscation -in short!

Thnx for rip van winkle advice (gonna take a lot of unchurning stomach beforehand. Yes, fully comp with full no claims bonus and protected ncb. There's the rub; my two 'accident' accidents will eat into that (2 allowed in a year). But if Zurich erroneously 'find' against me for the first incident it will affect my ncb. The engineer has inspected my car but as Zurich isn't communicating with me I haven't details of his report. The most frustrating thing is WHY; what excuse for blocking me. Its not enough I'm keeping my side on the level, yet without rapport is like treading treacle! PS sorry reply late, rural lack of signal. Appreciate your interest. Next thing - a mustard legal. Any hope?

[des8]

Re: Zurich motor insurer obfuscation -in short!

Thnx for rip van winkle advice (gonna take a lot of unchurning stomach beforehand. Yes, fully comp with full no claims bonus and protected ncb. There's the rub; my two 'accident' accidents will eat into that (2 allowed in a year). But if Zurich erroneously 'find' against me for the first incident it will affect my ncb. The engineer has inspected my car but as Zurich isn't communicating with me I haven't details of his report. The most frustrating thing is WHY; what excuse for blocking me. Its not enough I'm keeping my side on the level, yet without rapport is like treading treacle! PS sorry reply late, rural lack of signal. Appreciate your interest. Next thing - a mustard legal. Any hope?

Do note that it is a NO CLAIM bonus, not a NO BLAME bonus.
It is quite possible that even if Zurich agree it was not your fault, if you made a claim your NCB could be affected.
Different companies view the situation differently.
If full recovery is made against the third party they may not count it as a claim.

[andra1cass]

Re: Zurich motor insurer obfuscation -in short!

Incident 1: I informed my insurers I wasn't making a claim as my BLACK vehicle was stationary (in a farm gateway - 1 foot away) at the time she alleged I caused the expansive damage (front glass lens, deep WHITE scraped along nearside, and convex/concave rusted wheel arch!). I would certainly have known of that alleged collision, and my BLACK car would not have been (still) sitting there totally unblemished. Especially as it is a modern Lego car.
To all intents she must have driven too close to and scraped along a WHITE wall, to have caused such extensive damage - the engineer supports my unblemished vehicle.
Today is the day DIRECT LINE'S 14 days 'final notice' is alluded expiring - using consecutive 14 days ( in lieu of legal 'working days'), AND despite they hadn't registered the posting's proof, AND i didn't receive it till 6th - 6 days late! Watch this space!

[des8]

Re: Zurich motor insurer obfuscation -in short!

So you haven't made a claim for that incident and have told the insurers to butt out as it is nothing to do with them.
You will be defending the claim she has made without their assistance.
If that is so they should not be taking it into account when calculating your NCB at next renewal (if you decide to stay with them!)

[andra1cass]

Re: Zurich motor insurer obfuscation -in short!

Due to Zurich's mental incompetence (Buchan) although I've always denied all liability for this 'incident' (bogus claim) in black and white (scuse the pun); they, in their infinite lack of wisdom have recently (7 months down the line!) informed me they will be taking the other side's version of events when deciding the (her) claim!
Due to Zurich's general blocking ALL contact/communication with their insured/broker/and apparently DIRECT LINE -excepting firing off threatening missives that is; I am left totally in the dark about what Zurich is/not doing in my regard. I am totally in limbo/the dark. So I have no idea what the FAFF they are playing at and/or will decide. Even though I don't play, i could have better won the lottery than fathom what brain-dead mind games Zurich are perpetuating.
You last sentence -what do you think (renewal)! I am an articulate adult living a real life. I have zero tolerance with lies, gross ineptitude, and impotent cowardly bullies who ass-u-me the world revolves around them -it doesn't; they should get used to it. Shallow people always get their karma. BFN.