Hi there.
Thank you for reading. I am a new here and would like to greet everyone.
The reason why I would ask for help - unfair 50/50 claim settle, offered by the Elefant insurance company.
Could you help to fight the injustice please?
- On 1st of November i was driving within 30 mph limit on Modern Hall road in london (just there 51.402036, -0.190614 google maps), towards Wimbledon. Dual carriageway. There was a huge Whistle (ex TNT) lorry in front of me, driving in the same direction.
I was going in the right lane and he was going on the left one. My whole intention was to overtake this lorry on the right, within speed limit obviously. Before the approach i have slowed down to see what the lorry's driver intentions are. He was steady going in the same lane and there is was no indicator on. As there was enough space for my manoeuvre I proceed. When I have approached approx half length ot the vehicle, the lorry started to pull into my lane. I have jammed the brakes obviously, but was too late, i wasn't able to escape the impact due to vehicle lengths.
So lorry did dragged its body against mine, ripping off pass side mirror and the door handle. There is none or very minor damage was done to the lorry itself.
We parked on the side and Ive taken pictures, drivers license details ( name, address etc). I have filled accident form, which driver provided and called my insurance company.
- 1 week later!!! my Elephant asked me to provided pictures and coordinates. As it turned up, third party never informed their insurance, so my Insurer did.
- 2 weeks later - ive called my insurance with the status check. apparently they haven't heard from the 3rd party insurance since and promised to get in touch with them. My insurance also stated that if there is not liability admitted by the 3rd party and no cctv/ witnesses in place), the case will be 50/50 settle. I wasn't happy at all.
- Few days later, after no sign of life from my Insurance, I Called them a again. Nice Block spoke to me and promiced to sort thing out. He came back to me few hours later stating that the 3rd insurance party s still n the process and apparently the lorry had CCTV on board. I was happy, relaxed and was just waiting for the sings go smoothly in my favor.
- Few days later same block contacted me, saying, that, according to 3rd party insurance, there were no images by CCTV captured (apparently switched off) and they couldn't prove the 3rd party liability. WOW
- So the outcome is- to accept 50/50 or cancel the claim. My whole reaction is ''hell no!!''.
It wasnt my fault and it is completely unfair.
Could you please advice on what I can do in this damp situation. I dont want to loose my money either way.
You advice is really much appreciated.
Thank you for reading. I am a new here and would like to greet everyone.
The reason why I would ask for help - unfair 50/50 claim settle, offered by the Elefant insurance company.
Could you help to fight the injustice please?
- On 1st of November i was driving within 30 mph limit on Modern Hall road in london (just there 51.402036, -0.190614 google maps), towards Wimbledon. Dual carriageway. There was a huge Whistle (ex TNT) lorry in front of me, driving in the same direction.
I was going in the right lane and he was going on the left one. My whole intention was to overtake this lorry on the right, within speed limit obviously. Before the approach i have slowed down to see what the lorry's driver intentions are. He was steady going in the same lane and there is was no indicator on. As there was enough space for my manoeuvre I proceed. When I have approached approx half length ot the vehicle, the lorry started to pull into my lane. I have jammed the brakes obviously, but was too late, i wasn't able to escape the impact due to vehicle lengths.
So lorry did dragged its body against mine, ripping off pass side mirror and the door handle. There is none or very minor damage was done to the lorry itself.
We parked on the side and Ive taken pictures, drivers license details ( name, address etc). I have filled accident form, which driver provided and called my insurance company.
- 1 week later!!! my Elephant asked me to provided pictures and coordinates. As it turned up, third party never informed their insurance, so my Insurer did.
- 2 weeks later - ive called my insurance with the status check. apparently they haven't heard from the 3rd party insurance since and promised to get in touch with them. My insurance also stated that if there is not liability admitted by the 3rd party and no cctv/ witnesses in place), the case will be 50/50 settle. I wasn't happy at all.
- Few days later, after no sign of life from my Insurance, I Called them a again. Nice Block spoke to me and promiced to sort thing out. He came back to me few hours later stating that the 3rd insurance party s still n the process and apparently the lorry had CCTV on board. I was happy, relaxed and was just waiting for the sings go smoothly in my favor.
- Few days later same block contacted me, saying, that, according to 3rd party insurance, there were no images by CCTV captured (apparently switched off) and they couldn't prove the 3rd party liability. WOW
- So the outcome is- to accept 50/50 or cancel the claim. My whole reaction is ''hell no!!''.
It wasnt my fault and it is completely unfair.
Could you please advice on what I can do in this damp situation. I dont want to loose my money either way.
You advice is really much appreciated.