Nightmare that keeps getting worse - Admiral

dd1979

Member
Hi everyone


Been lurking here since I was banned for 24 months (reduced to 18 with course) last June following the accident last May. This is my first post.

To cut a long story short, I hit another vehicle on may way home having met my estranged wife to discuss our separation (things didn't go well during that discussion and my decision to drive home afterwards was one I will forever regret). Thankfully no-one was hurt, badly, but it was still enough to cause a fair amount of damage to both cars, apparent whiplash to the other vehicle's occupants, and a night in the slammer for yours truly.

I paid a huge fine and got away without a community order owing largely to my unfortunate family circumstances. But since then the punishment has become so much worse.

The events of last May have gone on to see me become ostracised by some family and several friends, eventually (after a lot of initial employer support) lose my job as news became public among the management, damage to future job prospects due to word of the incident getting around the industry within which I work, and the ignominy that I can't even pick my kids up from school (on foot) without feeling the shame and overhearing the gossip. I have paid over £5k to fix a car I don't own, owing to Admiral not covering me following my admission that I was over the limit.

And, last week, I had the email from them that I had been dreading.

I really need some guidance on what to do following their indemnity letter. I've seen posts on here advising of the course of action to take, but can't get my head straight at a time I have a hundred and one other issues to deal with, not least which direction to take regarding future employment (which, temporarily, I have been able to secure).

I'd be grateful to hear of anyone who has been in the same situation with Admiral. The thought of the loss is keeping me awake at night and could financially destroy everything I have.

Thank you
DD

Convicted Driver Insurance

Compare quotes from leading covicted driver insurance specialists in the UK

Get Quotes
 

Tess1234

Member
Hi DD
I’m sorry you’ve had such rough time of it. You aren’t alone. It’s a sad state of affairs that drink driving often follows a spate of personal crisis.
I’m in the same situation with admiral. I’m a waiting for the indemnity form.
I don’t plan on signing it and will seek legal advice when it arrives. I will also be pushing for a clear and transparent breakdown of all costs that admiral have paid and evidence that they have tried to keep costs to a minimum. I want photos, receipts, copies of absolutely everything. Then I will decide if I feel they’ve acted in the best interests of me (knowing full well they won’t have) and go from there.
I won’t be signing my life away nor be bullied by them.
I will be responding to everything via post with a second class stamp and recorded delivery on everything.
From what I can gather they have six years from the date of the accident to take me to court.
I intend to drag this out for as long as possible. It will be stressful and involve a lot of paperwork but that’s what I’m doing.
What I did was wrong, I’m deeply ashamed and the third party should be compensated - all of which I agree with. I have and am being punished by the law.
I don’t agree with admiral clawing the costs back when I was insured. Don’t pay out for my costs but it’s unethical (in my mind) for them as a multi million pound company to perform there own version of justice.
I know it’s a horrible situation but please keep your head up and stay calm. Speak to CAB or seek legal advice from a civil lawyer.
 

dd1979

Member
Hi Tess

Thanks for your reply.

I haven't yet replied to them to ask for a break-down of costs. I think my first step is to talk to CAB. I can't afford to spend any more money on lawyers.

DD
 

AlanT73

Active member
What I did was wrong, I’m deeply ashamed and the third party should be compensated - all of which I agree with. I have and am being punished by the law.
I don’t agree with admiral clawing the costs back when I was insured. Don’t pay out for my costs but it’s unethical (in my mind) for them as a multi million pound company to perform there own version of justice.
Playing devil's advocate, you agree that the 3rd party should be compensated but not by you (even though you were driving whilst in contradiction of the terms of your insurance policy, thus voiding it)

Who should foot the bill in that case? It's nothing to do with a company performing their own form of justice. Insurance companies are businesses who's main purpose is to return a profit. If the insurance company foots the bill then this is passed on to every policy holder in the form of an increase in premium. Those policy holders would no doubt say that this is unethical.
 

dd1979

Member
I don’t plan on signing it and will seek legal advice when it arrives. I will also be pushing for a clear and transparent breakdown of all costs that admiral have paid and evidence that they have tried to keep costs to a minimum. I want photos, receipts, copies of absolutely everything. Then I will decide if I feel they’ve acted in the best interests of me (knowing full well they won’t have) and go from there.
I won’t be signing my life away nor be bullied by them.
One thing that is quite clear in their letter is that they will not seek to challenge any costs unless I instruct them to act on my behalf. If I do nothing they won't do anything until an unsatisfied judgment is is obtained against me. By which time there will have been no active intervention on their part to challenge or minimise any costs. So it all seems very chicken and egg indeed.
 

Tess1234

Member
Why don’t all insurance companies operate the same stance then?
As I said above I’m in no way condoning my actions and the third party should be compensated. I was insured fully comprehensive.
A lot of people speed, drive dangerously, use a mobile phone when driving and cause accidents as a result. Why don’t admiral chose to come after these people also?
Before the incident I’d never had so much as a parking ticket and was a safe driver.
What I did was awful and unforgivenable to people who have suffered and lost loved ones as a result of DD. I completely understand that but I feel what admiral are is questionable at the least.
 

AlanT73

Active member
Why don’t all insurance companies operate the same stance then?
As I said above I’m in no way condoning my actions and the third party should be compensated. I was insured fully comprehensive.
A lot of people speed, drive dangerously, use a mobile phone when driving and cause accidents as a result. Why don’t admiral chose to come after these people also?
It's a fair point. Probably a question for the motor insurance industry. Also a good reason to check the policy details on what is and what is not covered.

On your second point on speeding, dangerous driving and mobile phone use. Insurance companies will accept dashcam footage of and leading up to an incident. If these offences can be proved, the insurance companies involved will share the information to indicate where fault lies and apportion bl;ame accordingly. Some even offer a discount for owners of dashcams.

I own a fairly high performance car and since I had a camera installed (more specifically the sticker in the back window that states the fact) instances of stupid 'envy overtakes' and cut ups reduced to almost zero. The odd one I do experience gets uploaded to the local police force for appropriate action.
 

Tess1234

Member
One thing that is quite clear in their letter is that they will not seek to challenge any costs unless I instruct them to act on my behalf. If I do nothing they won't do anything until an unsatisfied judgment is is obtained against me. By which time there will have been no active intervention on their part to challenge or minimise any costs. So it all seems very chicken and egg indeed.
That inself is wrong.
So they expect you to sign your life away and leave yourself open to a potentially unlimited bill and they won’t give any figures or details before hand?
I shall be in no way disputing the T&Cs and advising that I’m not refusing to pay but before I commit myself to any payback I want evidence and paperwork confirming how said amount was reached.
 

dd1979

Member
Maybe it is. Have 2 weeks to go now until I need to repsond eitherway, and still have no clue what to do.

I 'chatted' with an online advisor at the CBA; apparently they don't do traditional appointments any more or at least so I am told. But, in any case, even if they did I'm unsure that the advice I would receive would be any different from the online advisor's attempt to clarify a letter and the implications therein that I already fully understand. What I want to know is if there are sufficient grounds to challenge or ignore what on one hand could be construed as a very threatening, ominous letter advising of a very grave situation, but could just as easily be construed as a sales pitch on behalf of Admiral and the MIB. I wish that there was an expert in this field whom I could talk to - most solicitors I can find who specialise in DUI cases seem only interested in discussing the possibility (or at least selling you idea of) getting you off the charge in the first place. And if divorce has taught me anything, it's that generally they do better out of it than anyone else.

Convicted Driver Insurance

Compare quotes from leading covicted driver insurance specialists in the UK

Get Quotes
 
Top