Multiple posts have been removed from this thread as they are off topic and bring nothing of value either to this thread or the forum as a whole. Please keep all posts on topic.
Yes my son was a named driver.Hi DD, was your son named as a driver on your policy and did they threaten coming after you vs him when they started to realise he wouldn't be able to pay out a large amount? And did you fight the case as yourself or under your son's name?
As far as I know Admiral have to pay all the third party claims and entitled to contest them is they want to keep the costs down. Sounds like Admiral are disputing the claim.Thanks DD, my son has received a one line letter from Personal Injury Lawyer saying that proceedings were issued today in XYZ County Court and this notice is given for the purposes of s151 of the RTA. I believe Admiral are aware but does that suggest Admiral are contesting the claim do you think or is this standard practise. Like you my son does not have any assets or even a regular job and I have since retired so not sure how this will pan out. Our policy was also void after the accident and we paid our car write off costs so there are no claims against it.
As far as I know Admiral have to pay all the third party claims and entitled to contest them is they want to keep the costs down. Sounds like Admiral are disputing the claim.
I would make sure Admiral are aware of this and confirm they are dealing with it.
Doesn’t sound like your son is being taken to court if the letter is from the personal injury lawyer.
Don’t ignore any letters from the court!
Good detective work and useful ammunition when challenging any claims Admiral might throw your son’s way.Thanks again DD, one thing I have checked is the vehicle that was supposedly written off in the incident has an MOT and Tax record since before and after the accident and is still taxed and MOT'd now. I have double checked the mileage levels year by year as you get that information on the DVLC site and it must have been driven since the crash. We shall see what turns up. The CPS notes state that only 'slight' injuries were received and no-one required any medical attention at the scene. So a whiplash and possible soft tissue damage claim. Bracing myself for a drawn out dispute as we have no choice.
Hi DD admiral have advised they did offer a pre medical settlement to one of the claimants, what do you suggest to challenge this back?Yes my son was a named driver.
They didn’t come after me. I don’t recall they ever suggested it.
What I successfully did was challenge through the Financial Ombudsman Service (FOS) that no claim was actually made on my policy, ensuring my no claims bonus was not affected.
Struggled to get them to remove all records but my new insurer LV were very helpful and understanding. I had explain it all to them.
Same for my son. I just made the point that they made no attempt at independent medicals and paid up without question. That is not Admiral working in the best interest of your son by challenging all aspects of the claim on his behalf. They will argue it’s cheaper to pay up. I argued against that.Hi DD admiral have advised they did offer a pre medical settlement to one of the claimants, what do you suggest to challenge this back?
They want the premiums and go in cheap. The problem is the small print and how they treat you when you have an accident. If you have a no-fault accident they let the claims management company deal with the the claim which invariably gets inflated for multiple reasons.Recently a friend of mine used the convicted driver insurance service offered on this site to obtain a car insurance quote.
Amazingly the quote was provided by Admiral Insurance.
Thanks for your reply, I’ve also asked for pictures of the photos of the damage to the TP car but they haven’t sent them, would you just keep chasing this?Same for my son. I just made the point that they made no attempt at independent medicals and paid up without question. That is not Admiral working in the best interest of your son by challenging all aspects of the claim on his behalf. They will argue it’s cheaper to pay up. I argued against that.
Yes thank you for all your help, I have read your earlier posts & if I hadn’t come across them I probably wouldn’t have even challenged them on anything. I have challenged a few things & they have responded to me with some rather vague answers which I now need to reply too. My final bill is approx £11k - I have come to the conclusion I will need to set up some sort or repayment agreement although there is no way the claimants even had whiplash which is the most frustrating part !Yep, pull them up on everything. I asked for the photos, they were not fit for purpose. You couldn't see what the damage was.
Admiral don't bother sending an engineer to check the damage for themselves they just rely on the third party claims management company whose job is to maximise all aspects of the claim. Ask them for their own engineers report, any police reports, evidence of the number of passengers, their medical reports, etc, etc. Unless they've upped their game it'll full of holes.
They may have had a hire car supplied by the claims management company. They are always inflated costs and they shouldn't keep the car any longer than necessary and needs to be a like for like temporary replacement.
I think I put all of this in the earlier parts of this thread which is now rather long. I can't remember all of it!
Still haven't come across a case that ended up in court. I'd be interested to here from anyone where proceedings were started, even a 'letter before action'.