Insurance - Claim for injury a year after accident

Honest John Back Room » Motoring discussion
View Threaded
Sun 15 Nov 2009 22:29
Insurance - Claim for injury a year after accident - beardylondon
a friend had an accident a year ago and thought the claim was settled.

a letter has come from the other parties solicitor claiming money for injuries.

he has moved insurance companies and doesn't think he had legal cover.

should the insurance company still deal with it?

Edited by rtj70 on 18/11/2009 at 14:36

Reply | Report as offensive | Link
Mon 16 Nov 2009 08:51
insurance - ijws15
Motor insurance is based on events - insurance in place at time of accident covers it.

Unlike Professional Indemnity which is claims occurring.
Reply | Report as offensive | Link
Mon 16 Nov 2009 09:25
insurance - Falkirk Bairn
Pass it to the insurer of the car in 2008 - they will deal with it.

If they cannot agree then things move on to court but most claims are settled before that stage.
Reply | Report as offensive | Link
Mon 16 Nov 2009 14:31
insurance - concrete
I am surprised the solicitor writing directly to your friend and not to the insurance company who dealt with the original claim. Maybe the solicitor is flying a kite. In any event pass it all directly to the previous insurer immediately with a covering letter that states, this being part of a previous claim it is their responsibility to deal with it. Legal cover does not come into it, the insurance company will either settle or defend the claim. Concrete
Reply | Report as offensive | Link
Wed 18 Nov 2009 14:32
insurance - beardylondon
thanks for all the feedback.

yes I agree, it is strange that solicitors wrote direct, but as its a personal injury claim, probably through one of those crappy no win no fee adverts.

he is convinced that as he didnt have legal cover, hes not covered.

thanks for your help!
Reply | Report as offensive | Link
Wed 18 Nov 2009 14:35
insurance - rtj70
They have to write to you because the claim is against you. But then you pass on to your insurance to deal with it.

I wonder how this might affect the premium on their current policy - although the accident will have been declared.
Reply | Report as offensive | Link

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance