Insurance claim

[countrymanuk]

Good morning, i hope some one can give me some advice , In august this year i had a slight bump in my wife's car, As i am insured to driver any vehicle this wasn't a problem , I have third party only when i drive this vehicle. Anyway not much damaged was cause , a scuff to the other party's Alloy wheel, we swap numbers and i waited to here from his insurance company. I heard nothing until last week nearly four months later , when i was contacted by his insurance company, As i had renewed my insurance with another company since the bump i call my old insurance company and they said it was nothing to do with them. Is this right ?????

Rob

[ostell]

Re: Insurance claim

No, it is everything to do with them. They were covering the risk at the time. My be a problem if you didn't tell your insurance company at the time of the incident.

[des8]

Re: Insurance claim

The company involved will be the company insuring the vehicle at the time of the incident.
The company may be playing difficult if you did not advise them of the incident at the time.
From memory (will have to check later as I'm about to go out) according to the Road Traffic Act the insurer will have to pay if third party sues you and you fail to pay.
They have no choice

[des8]

Re: Insurance claim

Section 148 of the Road Traffic Act 1988 lists the defences motor insurers cannot use to avoid third party claims.
One of these is when the policy holder fails to notify the insurer of an incident in accordance with policy conditions. The insurer is then classed as a road traffic act insurer.
If your insurance company continue to refuse to deal with the situation, advise the third parties insurers of the problem and instruct them to deal directly with your ex insurers.

[carterjo]

Re: Insurance claim

No, its your old insurance company have to deal with it. As when incident happened you were covered by that insurance company.

[ailegalcounsel]

Re: Insurance claim

Yes It's your old insurance company that has to deal with it. As The accident happens when you are insured by your old insurance company.