Foreign lorry - wrong Reg - LOST EXCESS - oscarc1
Hi,
My wife had an accident on the M1 where a Belgian lorry driver pulled out and clunked the entire passenger side. She was due to give birth three days later (and did) but she was so shaken at the accident she called the police who took all the insurance details and reg number of the lorry.

After one year my insurance company are now refusing to pay back my excess of £300 becuase they say the reg number taken by the police is incorrect and they can't trace the driver by name. I suppose it could be false plate or typo by plod.

I've put in a complaint to the financia obudsman about the delay but I'm so angry that afer a whole year of non-communcation from my insurance company they made one call to say sorry can't trace driver!!

Any ideas anyone how I can get my £300 back - I can't afford to lose this money!

Thanks!
Foreign lorry - wrong Reg - LOST EXCESS - Armitage Shanks {p}
Can't be bothered to trace the driver by name more like! If he holds a licence he would be in a Belgian Government database, I would have thought.

Edited by Armitage Shanks {p} on 28/05/2009 at 17:14

Foreign lorry - wrong Reg - LOST EXCESS - Altea Ego
Any ideas anyone how I can get my £300 back - I can't afford to
lose this money!


You cant. If the insurance company can not recover the full amount from the other party (including your excess) you wont get it. Its not a matter of blame.

End of story.
Foreign lorry - wrong Reg - LOST EXCESS - Armitage Shanks {p}
It could be done. If the man had managed to cause a crash killing 4 people and driven away (not a likely scenario I agree) they would/could find him, not least because the police would be heavily involved.

It will cost your insurers more than £300 to recover £300 so they won't do it. If you have got the driver's name do a bit of Googling on your own account. Which firm did the lorry belong to, does anyone know?

Edited by Armitage Shanks {p} on 28/05/2009 at 18:41

Foreign lorry - wrong Reg - LOST EXCESS - L'escargot
........ I'm so
angry that afer a whole year of non-communcation from my insurance company they made one
call to say sorry can't trace driver!!


There wouldn't have been any point in them spending money to contact you before their investigations were complete. Every letter they send out and every phone call they make increases their costs and reduces their profit margin. Like all businesses their aim is to make a profit.
Foreign lorry - wrong Reg - LOST EXCESS - ajs
I had similar problems last year. An Austrian lorry crossed lanes slightly on a busy M25 and caught the rear of my car, sending me spinning into the central reservation in reverse. I was not hurt and called the police, who turned up along with an ambulance. The lorry driver stopped a bit further down the road and the police took the rear registration plate.

My insurance company tried to trace the lorry insurers and found who insured the trailer. They denied liability - foreign lorries have different licence plates front and rear and different insurers. Needless to say, I am also down on my excess (£350), plus the cost of car replacement (I had a very good and reliable Honda Accord that really didn't need replacing).

I can, therefore, understand your frustration. However, there is some help - log onto the Motor Insurance Bureau (www.mib.org.uk ) and try to submit a claim with them. They can cover claims for drivers who can't be traced or who are uninsured as I understand. My claim is in, but I haven't heard anything as yet. Can't promise it will work, but its worth a try.

It is frustrating to think that we have both lost significant amounts of money all for the pleasure of having been driven into by foreign lorries. I understand that it is not uncommon. I was going to write to my MP, but I think they are all a bit distracted at the moment!

{Link corrected}

Edited by Dynamic Dave on 29/05/2009 at 01:50

Foreign lorry - wrong Reg - LOST EXCESS - astrabob
It is just incompetence if the police on our motorways can't record the registration number on the cab and trailer.

The fact is the police can't be bothered dealing with foreign drivers as its too complicated for them.

I know. I had an american driver (in a UK registered car) drive into the back of my stationary car on the M56 a few years ago. (I was stationary because of a traffic jam). The police officer just made excuses to me for the american's driving.
Foreign lorry - wrong Reg - LOST EXCESS - smokie
I wouldn't say it's incompetence, in fact I'd say that's an unjustified slur. When you have an accident the onus is on YOU to exchange details. If you choose to rely on others to do your job and they get it wrong then guess what - the onus is still on you. I realise there were other circumstances in this case, but as far as I'm concerned that's how it works.

Not knowing the full circumstances here, I bet it was a mistake that anyone could have made. I would generally assume (and I think I'd be correct) that the police would have better attention to detail than Joe Public.

Foreign lorry - wrong Reg - LOST EXCESS - Armitage Shanks {p}
I read what you say Smokie but OP says his wife was 3 days short of giving birth and so shaken up that she called the police. I hazard a guess that she wasn't in any condition to exchange details and surely if the police are called then they take charge of getting people's name addresses insurance etc? In the circumstances described I would further guess that some law has been broken (lack of due care and attention) I am suprised that the driver has not been identified and charged by whoever deals with these matters in UK
Foreign lorry - wrong Reg - LOST EXCESS - daveyjp
Remember MIB are insurers of last resort. If you have fully comp MIB won't pay out for damage to your car, only for injuries.
Foreign lorry - wrong Reg - LOST EXCESS - nortones2
You may have explored this already, but have you any legal cover for uninsured losses? Or general legal cover on policies other than your motor policy? I've used uninsured loss cover in the past, successfully. At least they are paid to work in your interest, unlike some motor insurers who try delay and fob-off tactics.
Foreign lorry - wrong Reg - LOST EXCESS - miata
To the best of my knowledge the MIB will only compensate for injuries not damage.

Also the insurance company is not responsible for recovering your excess they only pay out their responsibilities under the terms of your policy.

The recovery of excesses/out of pocket expenses etc etc is the policy holders pigeon.

In the absence of Legal Protection this you will have to pursue yourself via a solicitor or the civil courts.

If the driver/vehicle is unidentified then you have no one to pursue.
Foreign lorry - wrong Reg - LOST EXCESS - jaffa
Be Aware that many continental trucks have a reg for the truck, and a different reg for the trailer. However it is still traceable. As it was a Belgium registered truck they have to follow the same rules as us. Did you note the haulier.
Foreign lorry - wrong Reg - LOST EXCESS - oscarc1
Hi,

Thanks for all the helpful comments.

The end of the saga was that the insurance company had the wrong reg number all along - they hadn't read the police traffic officers incident card properly. So after 12 months they had the wrong reg.

Suffice to say I made a formal complaint to the Financial Ombudsman service and they told my insurance company to

a) return the excess straight away
b) pay me compensation of £205.

So a happy ending.

Just goes to show they will try to fob you off.

Edited by rtj70 on 19/07/2009 at 22:02

Foreign lorry - wrong Reg - LOST EXCESS - Martin Devon
It is possible to trace most people, firms, things with today's technology and Google and a bit of persistence. I have done it, but one HUGE barrier, in the wonderful UK at least, is that monster called the Data Protection Act.

MD
 

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