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goganian

Joined:

Nov 09

Posts: 3

goganian says:

Struggling with an insurance claim

Well over a year ago I parked my Kawasaki ZX-6R just outside my driveway on the road. It was also parked horizontal to the pavement, to give you an idea of the position. A skip lorry was dropping a skip off at my house and the lorry came early one morning. My bike was at least a couple of feet back from the driveway....

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  • Posted 5 years ago (04 November 2009 10:27)

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aw11star

Joined:

May 06

Posts: 24

aw11star says:

I'd refer it to the insurance ombudsman and make a complaint about the way in which your insurance company treated your claim, they sound like a bunch morons!

Also there is some sort of fund which you can claim against for un-insured drivers, it may be applicable to you. try goggling it

So who were your insurers?.............I suggest you name and shame them, it'll benefit us all

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hairyMuppet

Joined:

Dec 03

Posts: 317

hairyMuppet says:

Driver, or employer, liable?

I take it you reported it to the police?

Anyway, if the ins. co. is bankrupt, i don't see why that prevents you pursing the driver or their employer directly.  Sounds like you need a better insurance company.

HItting a stationary vehicle is covered in the Road Traffic Act...I used to have the reference; if I find it I'll post it.

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rossired

Joined:

Jul 07

Posts: 35

rossired says:

It's simple

Your insurance company needs to instruct solicitors to issue proceedings, they will then get judgement entered against the company that hit you, their insurers then become liable as RTA insurers and pay, because they have already received the premium for the policy year in which the accident occurred.  Sounds like you need to move your insurance to a company that knows what it is doing.

Hope it goes well.

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AdieR

Joined:

Apr 08

Posts: 3042

AdieR says:

best bet is to find a good solicitor

and take their advice on the claim. as for your £650, if you paid by credit card, if youcan't claim it back from insurance co, you should still be able to claim it back from your credit card company. Can't remember entirely how it works but ins Ombudsman or a good solicitor will know.

hope thats of help. Oh, and find a better insurer as well.

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chrispy102

Joined:

Nov 07

Posts: 11

chrispy102 says:

Dont believe them!

Surely all costs should be covered by your insurance company. They way I see it, they should refund you the £650 and it is up to them to recover the x-es from the third party insurers for themselves and not you, especially if fault is not an issue.

I would strongly argue that the fact that the third party insurers no longer exists is totaly irelevant and they are simply trying it on with you.

You sound youngish, you need to get your Mum or Dad to ring your insurance and argue this with them. In my experience, insurance companies are lazy and will mislead and talk easily lead people out of a successful claim (especially if it means work/money/trouble for them).

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