Taxi Driver Online

normally a car gets repaired and the insurance company pays, then want the insured to stump up the excess

if the owner has paid for the repair at no cost to the insurance company, and then after all, they offer to process a claim (against the 3rd party) for the repair costs, presumably the excess is ignored? i.e. the repair cost the owner £800 instead of the insurer paying £1200, who pays the owner and how much if the 3rd party stumps up?.... or should the insurer reimburse the owner all or part of the £800?

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Of all the things ive lost, i miss my mind the most

Oddly enough most TP insurers will expect someone who is insured comprehensively to go the route of claiming for repairs from their own insurers, paying the excess (an uninsured loss) and then the injured parties insurer claims their repair costs back and the innocent party claims the excess back from the TP along with any other uninsured losses such as injury, car hire cost and of course the excess.

In my personal experience, by passing claiming from your own company inevitably leads to complications, although it is normally done with the utmost best intention of saving you own insurer money. In practice it never seems to work as it should or is intended.

If you pay repair costs yourself, and by pass your own insurer, it in a sense becomes an uninsured loss. However, if you say to your insurer "recover my repair costs from the TP and pay me back when the TP coughs up" they will probably say no cos that's not really how the system works odd as it might seem. To do that you would need a "Legal Expenses" insurer to do that for you.

In real terms if you pay for repairs yourself and you have comp cover, when you send the recipt to your own co, they will normally just reimburse you having deducted the excess and will then recover their costs leaving you to get your excess back as described above.

If the accident was clearly the TP fault, best just follow the procedure suggested by your own insurer. It will save grief normally.

Daft eh? I hope I understood your question correctly, if not holler.

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Nobody told me to use my initiative. To err is human to arr is pirate.

I paid for repairs as that was cheaper overall than claiming off my insurance, losing my NCB then still paying the excess, which i was OK with, then the TP made a claim against me via an "accident managment" company who took 5 months to send paperwork thru, my insurers then suggested i make a claim as they would probably have to settle half/half for the claim each way as there were no valid witnesses

and i do have legal protection and they have passed me onto them for god knows which bit

what [edited by admin] me off the insurance have had £700 off me for the NCB they cancelled and aint paid dicky [edited by admin] out yet

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Of all the things ive lost, i miss my mind the most