Putting together the facts stated so far:

1. The OP financed a vehicle for his son.
2. Son was the Keeper.
3. OP and son both had separate insurance policies for the vehicle.

OP is being pursued by DWF, a UK legal practice formed out the merger of multiple local outfits. DWF are instructed by the insurer of the party claiming that they, their vehicle or other property was damaged by the vehicle at point 1. They are a serious legal business; they will not let go if they think they can recover.

My guess, I think part confirmed, is that the OP's son had failed to respond to approaches from his own insurer allowing them to move the claim on.

I suspect that the insurance industry's information sharing systems have flagged the existence of the OP's policy on the subject vehicle. Whether the OP actually has any liability at law needs professional assessment.

Starting point for the OP, as already suggested, is to get his insurer for the vehicle involved.

Edited by Bromptonaut on 14/11/2021 at 10:46

Yes you can various people can be insured on a vehicle please advise I reference to the problem at hand

It's usual for any vehicle to be insured once, but with several named drivers or with other conditions. Much less usual for a vehicle to have several insurance policies.

Only 2 policy's was actually cheaper than adding him to mine however please advise on issue

The fact there were two policies is unusual and may be relevant to getting things in order.

Given the facts as they are emerging I'm coming to the conclusion that this is too complex for advice given here to be useful. Worse, it may mislead.

I think Curious T needs to sit down and produce an accurate chronological account of the vehicle's history. Start with it's acquisition and end with its disposal or when it was irrevocably returned to himself so that son could no longer access it.

When and where exactly along that timeline did the alleged incident take place?

If the son was consistently the Keeper that bit should be easy. Whereabouts in the country (I'm assuming we're talking UK) was it, at all material times, kept? Who was it insured with, for whom and were there relevant restrictions such as SD&P only or, if relevant, hire & reward.

What information has your son had in terms of civil claims or intimation/charge for breaches of Road Traffic or Insurance law? He has to come clean on this.

Read through the communication from DWF. Was that the first intimation Curious received suggesting there might be some sort of claim action? What exactly are they threatening now? Is this a formal 'letter before action'? If it is it should say so explicitly.

In my experience these things are fairly formulaic and clearly particularised; the exact allegation and how it founds a claim against you shouldn't be too difficult to understand.

Right now the issue is to get a proper rounded picture; outrage or belief that they're trying it on won't help.

Once you've got all that together then seek proper advice. I'm afraid, unless you can identify an insurer of yours who was on cover at the time of the incident, you may have to pay for this.

Citizens Advice (other organisations are also available) may be able to help but other than helping you 'get your ducks in a row' this feels to me to be beyond 'Core' generalist advice.

If you want to give them a whirl the national phone number is 0800 144 8848. There may be alternative means to contact your local office - a web form for example. Use a search engine for their contact details.

Local Solicitors will of often give a short session of initial advice free of charge.

Hope this helps. Please come back and let is know how you get on.

Edited by Bromptonaut on 15/11/2021 at 10:31