For Jo C. Oh! i thought i was talking to an insurance ombudsman, i want to be pointed in the direction to get this settled by bringing pressure to bear on the car insurance company to settle what you must admit is a drawn out action
I have been asked to look at this as I'm an insurance specialist. Are you hoping to force them to bring it to an end.
Are you fully comprehensive?
Hi, i paid my premium to protect me in the event of an accident. A "no blame to me" event, and all the positive evidence for a sucessfull prosecution of the other party what more do you need to know? Please give me information that i require
The first thing I will tell you is that even if you are fullycomprehensive, your own insurance company will not recover what are known asuninsured losses. Uninsured loss of insurance excess, personal injury, no claimbonus, expenses, and car hire while your car is damaged (unless you have carhire as an extra).
You may have legal expenses cover and you need to check that. Evenif you do have legal expenses cover which covers the above, you will be putinto a sausage machine with a firm of solicitors somewhere who are onlyinterested in getting your case their desk and getting any fees in possible.They will have no interest in dealing with it unless you use them for personalinjury.
The personal injury and the issue of the prosecution of thedriver are separate issues and the insurance company will not settle whileprosecution is pending just on the off chance that he gets away with it. Evenif he gets away with it, it does not mean that you don't have a claim, it'sjust that for some strange reason, the insurance company will always delaydealing with it while there is a prosecution pending. People who have been inan accident think that a prosecution pending is favourable whereas the realityis that it just delays things.
I would speak to a completely independent solicitor you mightwant to try this firm. Mention that you came from me on this site http://www.handleylaw.co.uk/
I have personal experience of the firm although I am not allowedto recommend firms, it is worth speaking to them.
They will deal with this type of accident on a no win no feebasis the problem is the delay may be inevitable . They will not only deal withgetting compensation for your injuries (for which they get paid their legalcosts by the defendant) will also recover your expenses, arrange car hire,refund policy excess, et cetera.
Unfortunately, you are not entitled to a hire car period of timeuntil the claim settles. The court believe that you are under a duty tomitigate your loss and that includes getting yourself a replacement car as soonas possible even if you have to pay for it yourself. I completely and utterlydisagree with the standards that the court take this but I don't make the law,I simply regurgitate it. About one month car hire is probably about as much asyou could get away with
isolation, to ascertain whether he is taking liberties or not.
Does that answer the question? Can I assist further or answer any specific queries?
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you say the link is still open, and i sent you a further question yesterday to which i have received no reply
The only question I have is the one shown in this thread above. Can you please repost?