Someone ran into the back of wifey's Jazz recently (which is registered and insured in my name). Other driver insured with M&S (AIG) and all above board.
Decided simplest thing was to claim through my insurance company and get the car fixed through our friendly local Honda dealer. The way they work is that they have a sort of 'virtual' bodyshop manager who takes care of the whole thing, and deals with their outside paint/body contractor on our behalf. This suits me fine. And we get a Jazz courtesy car, which suits Mrs Payer.
In the event it just needs a new rear 'bumper' and they come ready painted from the factory, so it can be fitted at the dealership anyway.
My insurance company was fine about this (I guess they don't really care as AIG will be paying, but I was surprised that AIG called me directly. They refused to talk to me, saying they could only speak to Mrs P. Even though the car is mine, insured in my name and I made the claim? 'Yep'. So I said that due to the data protection act I couldn't speak to them or pass their message on! Cheeky beggars - apparently (according to my insurance company) they'd have wanted to offer their approved repairer, so my wife would have had to refer to me anyway.
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... wifey's Jazz recently (which is registered and insured in my name ..
as i see it:
confusing statement - it your wife's car or your car ? is your wife inusred to drive it or not?
simplest thing was to claim through my insurance company
are you saying you claimed on your comprehensive policy for damage to your property (irrespective of who was driving your property or who was responsible for the damage to your property) ?
.. could only speak to Mrs P. Even though the car is mine, insured in my name and I made the claim? ..
perfectly all right in my view. your wife was the driver of a car which was involved in an incident with a car driven by their insured party. (you cannot know what they might have wanted to say to your wife as the driver of your car, and they could very well want to say to your wife that their insured is planning to make a claim against her). they would only want to talk to you if you had a made a claim against their insured for the damage to your car.
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If someone ran into the back of 'the car' - whoever it belongs to, how come you aren't claiming on their insurance? Unless the circumstaces were very strange the presumption would be that they were at fault ie liable!
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I think what the OP meant was that a claim was made against the other party's insurer, M&S (AIG), but that this claim was handled by the OP's insurance company under the terms of his comprehensive policy.
Presumably, when the OP's insurance company sent details of the cost involved, they quoted for Honda to replace the bumper as they saw this as the most hassle-free way to do the job. No doubt the other party's insurer is more interested in the cheapest way to do the job.
I'm not surprised either company would only speak to Mrs. Bill Payer about the accident. Any company has to be careful: you could easily imagine a scenario where the insurance company speaks to Mr. John Doe about Mrs. Jane Doe having a crash in his car. Our Mr. Doe unleashes his foul temper, Mrs Doe ends up in casualty with a broken jaw (or any number of similar scenarios)...
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I think what the OP meant was that a claim was made against the other party's insurer, M&S (AIG), but that this claim was handled by the OP's insurance company under the terms of his comprehensive policy.
Exactly. Isn't that the point of having fully comp insurance?
No doubt the other party's insurer is more interested in the cheapest way to do the job.
Which is unlikely to be attractive to me.
I'm not surprised either company would only speak to Mrs. Bill Payer about the accident. Any company has to be careful:
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Well, I can imagine that scenario if it was Mrs P's fault, but as the 3rd parties insurance company was calling to see if they could arrange the repairs then that's unlikely.
Whatever the situation the fact is that the car is registered and insured in my name. You could almost imagine the situation where the insurance company won't talk to me as I wasn't driving and won' t talk to Mrs P and she isn't the owner or the policyholder!
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Mrs Payer might have been so embarrassed at the accident that she wasn't planning on telling Mr Payer...
or
Mrs Payer was out with her 'toyboy', and he was involved in the accident.......but understandably she didn't want Mr Payer to know this
so what business would it have been for the insurance company to discuss the accident with Mr Payer, particularly when there's specific legislation that states that information held about Mrs Payer on a computer should not be disclosed in an unauthorised manner
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The fact that Mr Payer's car didn't have a bumper and that Mr Payer had made the claim through his own Insurance company wouldn't have given the game away then?
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The fact that Mr Payer's car didn't have a bumper and that Mr Payer had made the claim through his own Insurance company wouldn't have given the game away then?
...and that I could tell the person all about the accident? They just don't seem to use any common sense.
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