Depressed Dad
Established Member
I never did a road side as he never had one just a blood test
Were you involved in an accident? Was there an insurance claim?
I never did a road side as he never had one just a blood test
yes it has all been paid out ,i did tell my insurer that iwas drunk (not proud by the way)i had a lot on at the time but it now turns out i was under the limit obviously i never got paid out but I'm now wondering if i can chase them for the damages to my vehicle . i did also get one of them indemnity form to sign but never didWere you involved in an accident? Was there an insurance claim?
yes it has all been paid out ,i did tell my insurer that iwas drunk (not proud by the way)i had a lot on at the time but it now turns out i was under the limit obviously i never got paid out but I'm now wondering if i can chase them for the damages to my vehicle . i did also get one of them indemnity form to sign but never did
thanks for your adviceYou said you were drunk so you've incriminated yourself.
The blood test under the limit probably due to the delay doing the test.
They don't need you to have been convicted to invoke the drink and drugs clause.
They will work on the balance of probability (and your own admission) that you were over the prescribed limit at the time of the accident.
If I were you I wouldn't poke the sleeping bear.
I'm from the other side, I was claiming for injury from drink driver. It seems solicitors collect all medical info for claim but if its not sorted in 3yrs it goes to court which is when the costs are decided. Offers are normally made in the hope it doesn't go to court which solicitors fees can raise to 100k.Hi,
So I got into a drunk drive crash just under 3 years ago now and I am dreading getting notified. They said it’s very possible they will recover in the future and the time is probably almost here.
I just wanted to find out what was your outcome? Also how do you recommend I deal with it?
I’m pretty sure the sum they are going to want is over 20k and I don’t have that money. Nor do I really want to pay it I lost everything because of this mistake and this is like a weight I still can’t shake. I deserved it and I learnt my lesson justice done but I feel like there must be something I can do.
The insurance I was with was A Choice
Thanks for keeping this thread active
I'm from the other side, I was claiming for injury from drink driver. It seems solicitors collect all medical info for claim but if its not sorted in 3yrs it goes to court which is when the costs are decided. Offers are normally made in the hope it doesn't go to court which solicitors fees can raise to 100k.
I have sent them a list of querries that are still left unanswered. Admiral only provided me with a few documents where there is an engineer report, a rental vehicle agreement, bills for the 3rd party repairs and the payment made by admiral.It's highly unlikely it has been dealt with under the RTA unless the third party took you to court.
More likely to be processed as MIB Article 75 insurer. Worth asking them to clarify although I suspect the answer will be unclear.
Did Admiral et the third party to sign an A&A form? Did you sign an indemnity agreement?
Ask for the engineers report and photos of the damage and try to assess whether £2.7k is a fair price. Did they get the car repaired by one of their own approved repairers, or was it done through a claims management company? A CMC is going to cost more.
Ask them what personal injury was suffered. Did Admiral's own medic check them over to confirm the injuries? Did they pay up without a medical examination? They do that to reduce cost because soft tissue damage is very hard to diagnose and find it easier to pay without evidence.
Did the vehicle damage make it undrivable or unsafe to drive?
How long was the car hire for? What make and model was the hire car? They are entitled to an equivalent car for a couple of weeks.
It's really just a case of asking them to explain the breakdown of the claim, show the evidence it is based on and justifying the amount if you think it is high.
HiYou have plenty to challenge them on.
Who is the engineer working for?
Are they independent or being paid by a claims management company or the repairer.
What have Admiral done to mitigate the losses? £100 off the car hire is a joke.
He is only entitled to an equivalent car. It doesn't take a month for a simple repair.
I sometimes wonder if it is better to be taken to court and have a chance to dispute the costs in front of a Judge, or have the chance to make an offer direct to the third party.
Instead you have to fill the pockets of others with their inflated charges.
Maybe start with telling them that the costs look unfair, highly inflated and that you are not prepared to accept their demand until they have been challenged and your questions answered.
Hi
I’ve recently been involved in an accident. I was the driver. Road side breathalyser tested positive for alcohol. Car was seriously damage but involved no other vehicle and nobody was injured, thankfully. Breathalyser at station confirmed over limit.
Court hearing to take place in September. Car is with a recovery place at the moment. Admiral have been notified of an accident involving my car. I can only assume by police or in some other way. I lost my phone for days so could not report the Incident myself for days but plan on doing so in next day or so.
In all probability, reading the threads of others in similar situation, admiral are not going to cover the repairs to the car. My car. If they are not going to do so, do they have any right to step in and suggest the car should be written off?
I’ve had some advice on my own situation and looking at. Driving ban. I cannot argue with that. Also looking at a fine. Can’t argue there also. I’m just glad of no injury or damage to anyone or any other property but my car has serious damage to it and I’d hope to try and get it back so I can look to repair it myself, if it’s even possible; as I say, damage was significant to the car having hit a bridge/barrier at the side of a dual carriageway.
Any help, advice, comments on what to do would be helpful.
As far as I can see, I (obviously) need to report the incident to the insurer. I will do that. They will ask if police were involved and I’ll have to say of course yes to that also. Once they investigate matters they may conclude they wish to invalidate the insurance, notwithstanding I have not been convicted of anything. I guess I am just after any kind of thoughts on what to do if anyone reading this would be willing to share any help, recommendations in dealing with the situation, how to deal with admiral. Pretty much anything at this stage would be gratefully received.
Hi
I’ve recently been involved in an accident. I was the driver. Road side breathalyser tested positive for alcohol. Car was seriously damage but involved no other vehicle and nobody was injured, thankfully. Breathalyser at station confirmed over limit.
Court hearing to take place in September. Car is with a recovery place at the moment. Admiral have been notified of an accident involving my car. I can only assume by police or in some other way. I lost my phone for days so could not report the Incident myself for days but plan on doing so in next day or so.
In all probability, reading the threads of others in similar situation, admiral are not going to cover the repairs to the car. My car. If they are not going to do so, do they have any right to step in and suggest the car should be written off?
I’ve had some advice on my own situation and looking at. Driving ban. I cannot argue with that. Also looking at a fine. Can’t argue there also. I’m just glad of no injury or damage to anyone or any other property but my car has serious damage to it and I’d hope to try and get it back so I can look to repair it myself, if it’s even possible; as I say, damage was significant to the car having hit a bridge/barrier at the side of a dual carriageway.
Any help, advice, comments on what to do would be helpful.
As far as I can see, I (obviously) need to report the incident to the insurer. I will do that. They will ask if police were involved and I’ll have to say of course yes to that also. Once they investigate matters they may conclude they wish to invalidate the insurance, notwithstanding I have not been convicted of anything. I guess I am just after any kind of thoughts on what to do if anyone reading this would be willing to share any help, recommendations in dealing with the situation, how to deal with admiral. Pretty much anything at
You should also check who is paying for your vehicle's storage? Give the storage company a call.They will not provide cover for your car and your policy is likely to be cancelled.
They won't be able to say if the car is written off without an estimate for repairs and a valuation. A car is written off if it is uneconomical to repair. You will need to get your own estimates for repairs and decide if it is worthwhile.
You hit something very hard so the Highways Agency or the bridge owner might want to claim for inspection and potential repairs.
I have challenged all these costs and i got a short reply from the claims department saying that they dealt with the vehicles damage in the best possible terms and that they will not negociate heads of the claims as they have already paid.You have plenty to challenge them on.
Who is the engineer working for?
Are they independent or being paid by a claims management company or the repairer.
What have Admiral done to mitigate the losses? £100 off the car hire is a joke.
He is only entitled to an equivalent car. It doesn't take a month for a simple repair.
I sometimes wonder if it is better to be taken to court and have a chance to dispute the costs in front of a Judge, or have the chance to make an offer direct to the third party.
Instead you have to fill the pockets of others with their inflated charges.
Maybe start with telling them that the costs look unfair, highly inflated and that you are not prepared to accept their demand until they have been challenged and your questions answered.
I have challenged all these costs and i got a short reply from the claims department saying that they dealt with the vehicles damage in the best possible terms and that they will not negociate heads of the claims as they have already paid.
They have asked me to raise the points with the recovery team.
Hi
I’ve recently been involved in an accident. I was the driver. Road side breathalyser tested positive for alcohol. Car was seriously damage but involved no other vehicle and nobody was injured, thankfully. Breathalyser at station confirmed over limit.
Court hearing to take place in September. Car is with a recovery place at the moment. Admiral have been notified of an accident involving my car. I can only assume by police or in some other way. I lost my phone for days so could not report the Incident myself for days but plan on doing so in next day or so.
In all probability, reading the threads of others in similar situation, admiral are not going to cover the repairs to the car. My car. If they are not going to do so, do they have any right to step in and suggest the car should be written off?
I’ve had some advice on my own situation and looking at. Driving ban. I cannot argue with that. Also looking at a fine. Can’t argue there also. I’m just glad of no injury or damage to anyone or any other property but my car has serious damage to it and I’d hope to try and get it back so I can look to repair it myself, if it’s even possible; as I say, damage was significant to the car having hit a bridge/barrier at the side of a dual carriageway.
Any help, advice, comments on what to do would be helpful.
As far as I can see, I (obviously) need to report the incident to the insurer. I will do that. They will ask if police were involved and I’ll have to say of course yes to that also. Once they investigate matters they may conclude they wish to invalidate the insurance, notwithstanding I have not been convicted of anything. I guess I am just after any kind of thoughts on what to do if anyone reading this would be willing to share any help, recommendations in dealing with the situation, how to deal with admiral. Pretty much anything at this stage would be gratefully received.
Hello friends,
I was just wondering if anyone could recommend a lawyer that deals with this type of thing. I don't know where begin looking!
Also, I've read a few people say they have got the initial price down by haggling with Admiral, is that a rare case or something that is common practice? I assume my bill will be between £20-30k at a guess.
Finally, do I have to disclose my financial status to Admiral? I am in a position to afford the £30k if I sold my house, or cashed in some investments. So I'm in a lucky situation in that regard but it will still financially hurt a lot!
Many thanks
James
Hi,
I just wanted to share my Admiral story (so far) as I assume it's still ongoing in some capacity. Reading the posts from @Depressed Dad has been very helpful.
My case was actually discontinued prior to the first hearing, I was prepared to take it to trial but ended up not having to make a single court appearance.
Of course, Admiral continued to chase me for £2k. I haven't heard anything for 3 months or so and hope that due to the relatively small amount it has slipped the net, or they just have much larger balances to chase. Time will tell.