Hi,
Provided that you have, or once had, a driving licence to cover the vehicle that you are driving, and are NOT disqualified, the previously mentioned Road Traffic Acts make it very difficult for the Insurers to resist paying a THIRD PARTY claim. That's INJURY, DAMAGR TO PROPERTY, and PASSENGER LIABILITY.
However ... the same RTA specifically states that there is nothing to prevent the Insurers from suing the Perp, to recover their losses.
I'm not sure that that clause cannot be used to include legitimate claims, and only the thought of bad publicity, prevents them doing so. Discuss!
Those firms who are rich enough to deposit £1,000,000 (probably more now) are covered for their entire fleet. It seems (from our experience) that they leave the million pounds where it is safe, and resist paying any claims for as long as possible, if ever. ... effectively until everybody is standing on the court room steps.
If you can't afford to fight them, add another £10 to your insurance premium, for LEGAL PROTECTION. I'm glad we did, but even then it took two years of unanswered correspondence (from our insurers), before everybody met on the courtroom steps.
Perhaps it's lucky that Barbara managed to report the incident to a police driver who was sitting on his elevated platform, above the M4, within minutes of the collision. All the evidence was there ... heavy rain, strong side winds ... dark ... .and no working lamps on the SAAB. The Sergeant uttered a mighty oath when Britannia Rescue arrived within 20 minutes of Barbara's phone call.
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