Are the insurance company dealing with this as though there was no commercial vehicle which caused all this?
Was the incident reported to the police by anyone?
Who reported it to the insurance company?
Which insurance company is it?
Is it a case that the insurance company is simply blaming your father because they think he was the only person involved?
Do you know whether the claim from the property owner against the commercial vehicle has been settled?
Do you have the registration number of the commercial vehicle?
I need to know what exactly the problem is with the insurance company and why they are taking that stance.
The problem is that if you were not insured for the car, and your father allowed you to drive the car, Zenith will not pay out and if they are forced to pay out, they will want the money back from your father.
As a separate issue, even though you were not insured, you could bring a claim against the Renault driver in exactly the same way as the property owner did. That claim would be the amount of money which your father had paid.
I’m sorry to say that Zenith are actually following the correct procedure because they are not under a duty to deal with the third party if the driver of the vehicle was not insured.
Can I clarify anything for you?
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