Hi There,
I expect this has been asked before and apologise but searching the forum hasn't found it.
Someone drove into the back of my car a few weeks ago while I was stationary at a pedestrian crossing and it's been written off as a total loss.
At the scene, I was a bit shaken and did not take photographs or ask for any witnesses contact details, or even for hers, although I do know who she is (she did not recognise me). I had a passenger, she didn't. To be honest, as all the damage is to the rear end of my car and she stopped and apologised at the scene, I wasn't expecting any bother.
The other driver has not reported the accident despite (supposedly) her insurance company having tried to contact her. The car does have full insurance (as confirmed by my insurer, I have the policy number etc.), although at the scene the lady driving said she did not know who the insurer was as it was 'through work'. This could well be true, although I am starting to wonder if although the car is insured, she was not insured to drive it.
My insurance company have said this could take months to sort out and, perhaps not surprisingly, have discouraged me from using my legal expenses policy, although did admit when pushed that I was entitled to start to use it at any time.
This leaves me the excess and the refund on my policy out of pocket, and unsure what to do about not having a car to use. I don't need one now due to my current work pattern, but I will in the next few weeks when the location and hours of my work changes. I'd rather not buy one until I have this sorted out and all the money back so I have it all to spend.
What's the sensible approach to this? Just contact the legal policy provider and have them start to deal with it, patience with the process, or is there something else I should do to maximise the chances of this being sorted out quickly and smoothly?
Many Thanks!
I expect this has been asked before and apologise but searching the forum hasn't found it.
Someone drove into the back of my car a few weeks ago while I was stationary at a pedestrian crossing and it's been written off as a total loss.
At the scene, I was a bit shaken and did not take photographs or ask for any witnesses contact details, or even for hers, although I do know who she is (she did not recognise me). I had a passenger, she didn't. To be honest, as all the damage is to the rear end of my car and she stopped and apologised at the scene, I wasn't expecting any bother.
The other driver has not reported the accident despite (supposedly) her insurance company having tried to contact her. The car does have full insurance (as confirmed by my insurer, I have the policy number etc.), although at the scene the lady driving said she did not know who the insurer was as it was 'through work'. This could well be true, although I am starting to wonder if although the car is insured, she was not insured to drive it.
My insurance company have said this could take months to sort out and, perhaps not surprisingly, have discouraged me from using my legal expenses policy, although did admit when pushed that I was entitled to start to use it at any time.
This leaves me the excess and the refund on my policy out of pocket, and unsure what to do about not having a car to use. I don't need one now due to my current work pattern, but I will in the next few weeks when the location and hours of my work changes. I'd rather not buy one until I have this sorted out and all the money back so I have it all to spend.
What's the sensible approach to this? Just contact the legal policy provider and have them start to deal with it, patience with the process, or is there something else I should do to maximise the chances of this being sorted out quickly and smoothly?
Many Thanks!
