fungus wrote:Well, I received my insurance renewal today and it appears that this incident which has been on my insurance as an at fault pending, is now listed as an at fault accident. This I've been informed has been impacting on my insurance since its renewal in 2011.
It appears that the little sods parents have made a spurious injury claim when his injuries were only grazes. So I suppose that one of the parasitic no win no fee accident claims companies are a few hundred pounds better off.
martine wrote:fungus wrote:Well, I received my insurance renewal today and it appears that this incident which has been on my insurance as an at fault pending, is now listed as an at fault accident. This I've been informed has been impacting on my insurance since its renewal in 2011.
It appears that the little sods parents have made a spurious injury claim when his injuries were only grazes. So I suppose that one of the parasitic no win no fee accident claims companies are a few hundred pounds better off.
That's really bad and shows the system still needs sorting. It's probably not worth it but I'd be tempted to fight this all the way (and probably be out of pocket).
fungus wrote:...I want to know why my insurance company didn't inform me of the claim against my insurance as I think that if it went to court the claimant would have had difficulty in winning the case,
martine wrote:fungus wrote:...I want to know why my insurance company didn't inform me of the claim against my insurance as I think that if it went to court the claimant would have had difficulty in winning the case,
Are you going to make an official complaint - I think you are justified? I wonder what the ABI has to say in such circumstances? Informing the insured surely has to be appropriate rather than just paying up and then loading the premium. Do you have legal cover (can't remember if you said this earlier).
waremark wrote:The way claims can affect premiums can be unexpected. My son recently discovered that his premium went up more as a result of a no fault incident where he recovered 100% of his uninsured costs from the insurer of the other party than it would have done if he had been liable.
Nigel, I am extremely sympathetic for your bad experience.
Kimosabe wrote:Same here, it's an outrage! Similar story for a friend. No fault on their part, all losses reclaimed from other insurer. Decades of clean driving history. His insurance premium now reflects the 'No Fault Incident' by way of a £35 annual increase. The reason given to him for this, was to me...odd though predictable if I mentally squint. They told him that as he has been involved in one incident, that even though he was not at fault and no claim was made against his policy, he is now more likely to be involved in another incident and is therefore classed as "being at a higher risk of claiming again"!
MGF wrote:Fungus, I would be interested to know how your insurer thought you could be liable in the circumstances of your accident with the cyclist.
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