tell you now that direct line probably have the best administration and claims
service of any of the insurers. That comes at a price because their premiums
are not cheap but you only discover that the claims service is good (for what
you pay) when you have a claim which hopefully, you will never have.
previous claims (or rather, lack of,) is largely immaterial.
also tell you that accidents on roundabouts are notoriously difficult to prove
and if they are proved, to defend. You say that the woman drifted into your
lane and she is likely to say that you drifted into her lane and therefore I
think the best that you could hope for would be that the claim is settled
if this goes to court the matter would be decided on the balance of
probabilities and whilst I accept that the witness may be lying through their
teeth and it seems absolutely incredible that they only discovered this person
after eight months.
contesting this is likely to cost between £5000 and £10,000 if it goes to court
and the judge finds in the other drivers favour simply because he prefers their
version of events and believes the witness.
suggestion (which you do not have to take) will be to write to direct line (do
not try to deal with this on the telephone to tell them that you are aware of
how difficult it is to defend accidents on roundabouts and that whilst you do
not admit any liability, and you would prefer defend the matter to the hilt,
you are prepared to agree 50-50 liability.
appreciate that this is not the answer you wanted but there is no point in me
misleading you. I have a duty to advise you truthfully and honestly even if
that answer is unfavourable.
that answer the question? Can I help further? Can I answer any specific points?
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