Hello my name is ***** ***** I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
If she denies it can she prove she was not in the area please?
She can prove she was at work on those two night shifts and we as a family can verify that she sat and ate a meal with us at around 6.00 pm on that evening and then spent the evening with us watching television, etc. It would not have been possible for her to have travelled that distance as when she finishes a series of two or more night shifts in a row she is so tired she can hardly keep her eyes open.
Has she provided that evidence yet?
Not in paper form no but she has informed them as such, they are requesting an inspection of her car to check it has not had a crash but they are not giving any information as to who will do this inspection and where. As she needs her car to get to work it will be impossible for anyone to have it for a period of time and we are reluctant to let a complete stranger alone with it but we are quite happy for it to be inspected at a local garage preferably where she takes it for its MOT and other general repairs.
An inspection is normal. She can't have it sent to her local garage - they will send one of their own loss adjusters out.
She does not need to let the stranger into the house, but he can do it outside. Does she ever allow gas/electricity people in to read the meter? If so there is no difference.
IT is quite normal and the engineer will have ID with him
If she is frightened about having someone inspect her car then it can be done in a public place.
Not necessarily the garage she chooses or the time she wants
But she can arrange to have it done in public where there are other people around if she fears for her safety by having the car looked at
They will send an engineer and arrange a time and place
If she works I am sure they work it around that on a day off
But if a claim has been made she has a duty to co-operate with the insurers otherwise they can void the policy
But if there is no evidence of impact damage then there will be no claim
Can I clarify anything for you about this today please?
She has fully co-operated with the insurance company they are not cooperating with her when she has asked for written and photographic evidence nothing has appeared and they insist on using the telephone and not writing which is costing us time and money which we feel aggrieved about. My daughter feels penalised for something that is not her fault and cannot understand why it took so long for them to get in touch with her in the first place we understood the law to be that an accident had to be reported to the Police and the insurers within 24 hours as stated by the Road Traffic Act of 1988, is that not so anymore?
You have to separate criminal and civil matters.
Criminal an accident should be reported within 24 hours
As for civil, it depends on the policy terms and conditions. But a third party has 3 years to make a claim against someone
She should write to them and ask that everything is put in writing
If she is unhappy with their service she can complain to the Ombudsman who offer a free, independent service at: www.financial-ombudsman.org.uk
Does that help?
She has asked them to put everything in writing on all the occasions she has spoken to them but they do not seem to want to listen. Thank you