[Rich321a]

Hi,

Last October my stationary car was hit by someone visiting a neighbour. I had a witness who heard the bang and I came out of the house. I took photos of my car, his van, him and his driving licence. He was insured with Haven insurance.

My car was repaired quickly through the insurance company but I had to pay my £350 excess and claim it back from the third party - which has still not happened.

His insurance company have been dragging their feet since October, their responses have been to my insurance company have been 1) resend all of the information again please, 2) resend all of the information again please 3) we have no knowledge of an accident as our customer has not told us about one 4) his insurance company are now advising my insurance company to ‘go after him personally’ as they have no knowledge of the incident and he is ‘not responding to them’.

I have legal cover and it is currently with my insurance companies team leader deciding on what happens next.

Are these standard tactics and does anyone know how this could likely play out? I have the option of knocking on the neighbours door and asking them, but not sure if that’s the right thing to do.

I mistakenly thought that as it was a ‘neighbour’ thing, the driver would have done the right thing and owned up to it.

Many thanks for reading, best wishes,
Rich

[TC1474]

I have seen this on many occasions and it is quite common.

If you are using your LEI then you need to go back t your legal representative (whether that is a claims management firm or your insurance company) and tell them that you need this matter sorted out and given them a deadline (14 days is usual) and that if the matter is not resolved within that time frame then you require them to issue proceedings to claim back your uninsured losses (your excess) and any out of pocket expenses (which you are entitled to claim back)

You could also contact the insurance ombudsman as this is the very sort of thing they deal with, but give your current LEI provider first crack of the whip to resolve the matter first.

[Rich321a]

Many thanks for your insights and reply. It’s appreciated. Best wishes