Car Insurance - Friend driving vehicle

[BrendanK1]

Hello all,

back in February this year, a friend borrowed my vehicle to drive as his was off the road, operating under his car insurance as drive other vehicles,

unfortunately while he was driving my car he managed to be involved in a collision after pulling out of an entry only area,

this resulted in the car being damaged beyond repair, the 3rd party vehicle was potentially repairable: after a few conversations with my insurance company in which I made sure this would have nothing to do with my insurance policy, I've received a letter 10 months down the line reading:

"Dear X

We wright [sic] to you with regards our [sic] previous conversation with us on the 24th August 2016. We do understand that you confirmed that your friend was driving your vehicle under his own insurance. We currently have not received these details. The third party are now looking to issue court proceedings.

We request that you provide us the insurance details so we can forward this claim to you friends insurance, if we do not receive this with in 21 days of this letter we will have to accept the liability and deal with the claim under your policy.

Feel free to contact the claims team if you have any questions.

Yours sincerely

x"


I just wanted to see if I could get some advice as to how correct/accepted this letter is,

at the time of the incident both my insurance and my friends insurance was provided to the third party as this is what the police who attended the incident recommended be done,

mostly want to know what the legal standing is on my insurance company accepting fault for a collision I was not involved in, under my policy,

I'm assuming it may be something to do with any damages being caused by an asset of mine are technically my liability, but honestly I have no idea,

any context for this would be great,

Thanks,
Brendan

Edit: Apologies, I thought I was posting in Motoring, not sure how I ended up in welcome forum, and I can't seem to work out how to delete or move this thread!

[MIKE770]

Re: Car Insurance - Friend driving vehicle

Your failure to supply friends insurance details render you liable as owner of the said vehicle, if he has no insurance another legal matter. comes to mind

[BrendanK1]

Re: Car Insurance - Friend driving vehicle

thank you for the fast response!

and thank you for the information, he does have insurance, which has been provided to both my and the third party insurance company, just seems to be a bit of incompetence in handling the whole situation on their part,

Thanks,
Brendan

[MIKE770]

Re: Car Insurance - Friend driving vehicle

Then a Formal Complaint to the company whom you have notified could be in order!> see what others think?

[des8]

Re: Car Insurance - Friend driving vehicle

There seems now-a-days to be a complete short circuiting of procedures, all in the name of efficiency (which seems sadly lacking!)

If the third party (or his insurers) is (are) going to initiate court action, he (they) should be writing to the driver of the vehicle at the time of the accident.
The driver of the vehicle should then inform his insurers.
To save time claims companies will go direct to the insurers

Probably here the third party insurers are as incompetent as your own and have written to the first company named in their paperwork without reading it.
Give your insurers the info they are requesting, even tho' they probably already have it on file!


For the record, if your friend's insurance turns out to be non-existent, your insurance will be called upon

[Kati]

Re: Car Insurance - Friend driving vehicle

Edit: Apologies, I thought I was posting in Motoring, not sure how I ended up in welcome forum, and I can't seem to work out how to delete or move this thread!

I've moved it for you :yo: xx