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Insurance claim rejected - Why ?
Miscellaneous UK car topics Other UK car topics (uk.rec.cars.misc)
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#11
 
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Re: Insurance claim rejected - Why ? -
12-13-2003
, 02:43 PM
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Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. Who says the driver was drunk? Breathalysed-arrested? Blood alcohol level? Failed to provide sample? Prosecuted? Evidence of being incapable through drugs/alcohol? Why would anyone agree to just exchange details with a drunk driver who just rear ended them, and not call the police? Not enough information to provide a considered response. DaveK. |
#12
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"26ReD" <fake (AT) fake (DOT) com> wrote in message news:brfcmj$bev$1 (AT) reader01 (DOT) singnet.com.sg... Hi, Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. The drunk's insurance company however refused to honour the claim as it claimed that since the driver was under the influence of alcohol, his insurance was invalidated and hence my friend had no right to claim on the drunk's policy. Is this true ? Can someone advise on this ? In one sense yes. But it's not really your problem. Your claim is against the other driver. Not his insurance co. My advice would be to make a claim directly to the other driver. If his insurance refuses to honour your claim when he presents it to them, that's his problem. Your claim still stands. Maybe he'll have to pay you himself. Could be long winded, but providing there is no dispute as to liability, you'll get your car paid for either way. Mike. |
take them to court and get a ruling to be paid (with much hassle) but if the
person in question won't pay or can't afford it there really is nothing you
can do.
#13
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Hi, Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. The drunk's insurance company however refused to honour the claim as it claimed that since the driver was under the influence of alcohol, his insurance was invalidated and hence my friend had no right to claim on the drunk's policy. Is this true ? Can someone advise on this ? Insurance for third parties ( the guy who gets run into) is compulsory, once the insurers have cashed the cheque , I dont see how they can get out |
steve the grease
#14
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"Mike G" <mgibbs (AT) clara (DOT) co.uk> wrote in message news:1071345205.23339.1 (AT) eunomia (DOT) uk.clara.net... "26ReD" <fake (AT) fake (DOT) com> wrote in message news:brfcmj$bev$1 (AT) reader01 (DOT) singnet.com.sg... Hi, Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. The drunk's insurance company however refused to honour the claim as it claimed that since the driver was under the influence of alcohol, his insurance was invalidated and hence my friend had no right to claim on the drunk's policy. Is this true ? Can someone advise on this ? In one sense yes. But it's not really your problem. Your claim is against the other driver. Not his insurance co. My advice would be to make a claim directly to the other driver. If his insurance refuses to honour your claim when he presents it to them, that's his problem. Your claim still stands. Maybe he'll have to pay you himself. Could be long winded, but providing there is no dispute as to liability, you'll get your car paid for either way. Mike. No you should never try to claim *directly* off the other driver. You can take them to court and get a ruling to be paid (with much hassle) but if the person in question won't pay or can't afford it there really is nothing you can do. |
declined the claim, but in any case a claim, technically, is
always against the other driver. In the same way as any other
claim for compensation due to an individuals negligence. The
fact that insurance Co's usually accept a claim on behalf of
their insured driver/s, just makes things initially easier, but
there is no reason whatsoever why you shouldn't make a claim
directly to another driver.
The law only says a driver must be insured for 3rd party claims.
It doesn't even say a drriver must use an insurance Co. If rich
enough they can insure themselves.
The driver can choose whether to pay out of his/her pocket, or
pass the claim to their insurer. Obviously most choose the
latter option. They have to inform them of the claim whatever
they choose to do. It's a condition in their insurance policy.
Sueing them in court would only be a last option if, for some
reason, they wouldn't or were unable to pay.
Mike.
#15
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m.w "DaveK" <davek (AT) solar19 (DOT) fsnet.co.uk> wrote in message news:brfs2f$p8a$1 (AT) newsg2 (DOT) svr.pol.co.uk... Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. Who says the driver was drunk? Breathalysed-arrested? Blood alcohol level? Failed to provide sample? Prosecuted? Evidence of being incapable through drugs/alcohol? Why would anyone agree to just exchange details with a drunk driver who just rear ended them, and not call the police? Not enough information to provide a considered response. DaveK. my mate had his car nicked by some tossers who proceeded to smash into 4 other cars and cause £6000 of damage and he had to claim on his insurance to pay for said damage,no problems they paid out,oh and his car was a write off.trouble is he lost his ncb |
pay for the damage that his car caused while someone who had stolen it was
driving?
Was this in the UK?
I thought that _I_ was insured to drive my car, with my wife as a named
driver.
That if _we_ are driving it, then _we_ are covered for damage that we cause
to our car, or to other peoples cars.
If someone else stole it, and wrecked some other cars, I'm afraid I'd point
out the bit in my policy that says "your car isn't insured if it's not
driven by the named people", and tell whoever was asking me to cover their
cars damage that I'm not liable.
Hell, even if it's being driven with permission, the other persons insurance
will only cover 3rd party claims, but any damage to our car isn't covered by
our insurance (because the driver wasn't on our policy), or by their
insurance.
Pete.
--
NOTE! Email address is spamtrapped. Any email will be bounced to you
Remove the news and underscore from my address to reply by mail
#16
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"26ReD" <fake (AT) fake (DOT) com> wrote in message news:brfcmj$bev$1 (AT) reader01 (DOT) singnet.com.sg... Hi, Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. The drunk's insurance company however refused to honour the claim as it claimed that since the driver was under the influence of alcohol, his insurance was invalidated and hence my friend had no right to claim on the drunk's policy. Is this true ? Can someone advise on this ? Insurance for third parties ( the guy who gets run into) is compulsory, once the insurers have cashed the cheque , I dont see how they can get out of paying up . steve the grease |
"Never Pay" policy? "Its very popular guv unless you need to make a
claim".
Ian
#17
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Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. Who says the driver was drunk? Breathalysed-arrested? Blood alcohol level? Failed to provide sample? Prosecuted? Evidence of being incapable through drugs/alcohol? Why would anyone agree to just exchange details with a drunk driver who just rear ended them, and not call the police? Not enough information to provide a considered response. DaveK. |
driver himself admitted he had too much to drink.
The police advised us to settle this privately as the insurer's will not pay
up and the other option would be to take this drunk to court and sue him ,
which will be a lengthy affair.
At the end of the day, this matter was settled privately with the drunk
paying for 90% of the repairs.
This happened in Singapore btw....
#18
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"26ReD" <fake (AT) fake (DOT) com> wrote in message news:brfcmj$bev$1 (AT) reader01 (DOT) singnet.com.sg... Hi, Recently, a drunk motorist rear ended my friend's car. They promptly swopped numbers and agreeded to make a claim on the drunk motorist insurance policy. The drunk's insurance company however refused to honour the claim as it claimed that since the driver was under the influence of alcohol, his insurance was invalidated and hence my friend had no right to claim on the drunk's policy. Is this true ? Can someone advise on this ? Insurance for third parties ( the guy who gets run into) is compulsory, once the insurers have cashed the cheque , I dont see how they can get out of paying up . |
policy conditions were not adhered to.
Taking the applicants money means very little in the above
circumstances.
Mike.
#19
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Police arrived at scene, did a breathalysed test and he was positive. The driver himself admitted he had too much to drink. The police advised us to settle this privately as the insurer's will not pay up and the other option would be to take this drunk to court and sue him , which will be a lengthy affair. At the end of the day, this matter was settled privately with the drunk paying for 90% of the repairs. This happened in Singapore btw.... Perhaps you should have mentioned this in your original post because |
assumption.
--
Paul Giverin
British Jet Engine Website http://www.britjet.co.uk
Reply-to address NOT valid. Replace NEWS with paul to e-mail me.
#20
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In message <brhugb$gfl$1 (AT) mawar (DOT) singnet.com.sg>, 26ReD <fake (AT) fake (DOT) com writes This happened in Singapore btw.... Perhaps you should have mentioned this in your original post because everyone assumed it was in the UK and based their advice on that assumption. |
mentioned he was in Singapore!
Si
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