Amazing lax attitude by insurer

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Sat 25 Oct 2008 02:18
Amazing lax attitude by insurer - bananastand
The scenario in brief -

travelling home from Lake district, on A-road. A big tractor comes bombing down the hill towards me. All sorts of metal things, propshafts, crankshafts, whatever they were, suddenly flew towards me. Thank our Lord that they didn't come through the windscreen but they went under the car, and under another behind me.

Thought all was ok- no obvious damage apart from flat tyre - , and in a mad coincidence it happened outside a garage, so I bought one of those foam tyre fillers and limped home.

Insurance was comp so told my insurers the story, with full third party details. They then called me back saying they wouldn't be pursuing recovery of costs, as it wasn't the TP's fault just cos stuff fell off his tractor. OK I was comp but this would have meant loss of bonus and a "fault" accident on my record so I wasn't happy. Turns out my car was battered underneath.

I became my own lawyer and got full recovery on MY OWN... and a big apology from my insurer. But not from the dweeb who decided he couldn't be bothered recovering my costs.

Edited by Pugugly on 25/10/2008 at 11:27

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Sat 25 Oct 2008 07:51
amazing lax attitude by insurer - L'escargot
I became my own lawyer and got full recovery on MY OWN...


Well, tell us how you achieved it. Don't leave us in suspense!
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Sat 25 Oct 2008 11:25
amazing lax attitude by insurer - martint123
You just get a couple of quotes and send it to the third party - suggesting that they pass it on to their insurers - should they decline then the receipt (or threat of) of a claim from the Small Claims Track of the local court usually does the trick.

Easy and painless to do.
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Sat 25 Oct 2008 12:07
amazing lax attitude by insurer - bananastand
I got on the phone to the farmer's insurer and when I told them what happened, they just said "fair enough" and authorised repairs. My own insurer just didn't want to know, or couldn't be bothered. Literally! The guy in the Manchester call centre said "it's not worth the effort, we probably won't be able to make a recovery, sorry..."

So now I have an apology from my insurer but apologies don't butter any parsnips! However they are still pretty cheap and I'm third party only now... me car ain't worth nothing. Might look around when I buy one at BCA's ex MoD auction - now there's another thread coming soon to a screen near you heh heh
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Sat 25 Oct 2008 12:10
amazing lax attitude by insurer - Bill Payer
I got on the phone to the farmer's insurer and when I told them what
happened they just said "fair enough" and authorised repairs.


Was that NFU by any chance?
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