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Originally Posted by BERNADETTE
Does anybody know how car insurance works? Somebody ran into my nieces car the other week, not her fault and police were called and she got their insurance details. Her insurance company told her which garage to use but now they are saying she has to pay £500 up front to get her car back  Well she hasn't got £500 but they are saying she "might" get it back when claim is sorted with other persons insurers  Obviously family aren't prepared to lend her money unless they are sure to get it back  Is this how insurance companies always work? Because if it is it makes me wonder why we pay it  |
Exactly the same thing has happened to me and I'm not happy about it either. A couple of months ago someone ran into our car whilst my husband was driving home.
He stopped, was apologetic and gave my husband his insurance details.
The ambulance was called to check the kids over and the police came aswell. The kids were both fine and the policewoman confirmed that my husband was not at fault.
The car went to a garage as specified by our insurance and we were given a courtesy car for a couple of weeks....the chap who worked on our car at the garage could also tell from the damage that the bang was the other fella's fault.
Two months later and our insurance company tells us they are still trying to contact the fella who ran into us as he hasn't replied to their letters therefore hasn't admitted liability.
We had to pay £400 to get our car back because the other bloke hasn't admitted liability yet. If he had admitted liability then we wouldn't have had to pay. If he admits liability in the future we will get the £400 back.
If he won't admit liability we won't get the money back.
We had to put that £400 on our credit card and we don't know if we'll get it back....we had another letter from our insurance the other day telling us that they are still trying to contact this bloke.
This could end up in court if he doesn't respond.....fortunately we do have cover on our insurance that would pay any costs of going to court but hoping it doesn't come to that. I just want an end to it and that £400 back so give your niece my sympathies, Bernadette. It's very frustrating.
