Insurance headache
Posted: Wed May 17, 2006 12:51 pm
Dear all - advice please!<br>
<br>
A couple of months ago, whilst reversing off the pavement to the lowered part of the kerb, a CHAV (19-year-old, not long passed his test, modified Corsa - blacked out windows except the front one but it is partially blacked out with a wide banner that runs along the top of the window screen with 'Dark and Dangerous' on it) went into my car.<br>
<br>
I had looked behind me, forward (I live in a Crescent, I had visibility to the end of the road which is about 300 yards away) and behind me again before reversing at about 3 miles an hour. Nothing was coming from either direction. <br>
<br>
There were cars parked diagonally from me and our Crescent is very narrow. This guy must have been going at some speed and had tried to squeeze in-between the gap of the parked cars - but he didn't stop!<br>
<br>
We swapped insurance details and the work on my car was carried out for which I had to pay a £200 excess.<br>
<br>
I have just called to cancel my insurance as I no longer have the car and have been told that there is still a claim open and as I have been deemed at fault (they cannot prove he was speeding and I was reversing - although he was coming from the opposite direction!), if I cancel the policy I won't get any of my money back (only renewed it in April).<!--EZCODE EMOTICON START >: --><img src=http://www.ezboard.com/images/emoticons/mad.gif ALT=">:"><!--EZCODE EMOTICON END--> <br>
<br>
I will be writing to them to dispute their decision about who was at fault but does anyone have any other suggestions or do I just have to bite the bullet?<br>
<br>
Cheers<br>
<br>
Susie<br>
<p></p><i>Edited by: <A HREF=http://p206.ezboard.com/bthetriumphdolo ... ybird72</A> at: 17/5/06 12:53 pm<br></i>
<br>
A couple of months ago, whilst reversing off the pavement to the lowered part of the kerb, a CHAV (19-year-old, not long passed his test, modified Corsa - blacked out windows except the front one but it is partially blacked out with a wide banner that runs along the top of the window screen with 'Dark and Dangerous' on it) went into my car.<br>
<br>
I had looked behind me, forward (I live in a Crescent, I had visibility to the end of the road which is about 300 yards away) and behind me again before reversing at about 3 miles an hour. Nothing was coming from either direction. <br>
<br>
There were cars parked diagonally from me and our Crescent is very narrow. This guy must have been going at some speed and had tried to squeeze in-between the gap of the parked cars - but he didn't stop!<br>
<br>
We swapped insurance details and the work on my car was carried out for which I had to pay a £200 excess.<br>
<br>
I have just called to cancel my insurance as I no longer have the car and have been told that there is still a claim open and as I have been deemed at fault (they cannot prove he was speeding and I was reversing - although he was coming from the opposite direction!), if I cancel the policy I won't get any of my money back (only renewed it in April).<!--EZCODE EMOTICON START >: --><img src=http://www.ezboard.com/images/emoticons/mad.gif ALT=">:"><!--EZCODE EMOTICON END--> <br>
<br>
I will be writing to them to dispute their decision about who was at fault but does anyone have any other suggestions or do I just have to bite the bullet?<br>
<br>
Cheers<br>
<br>
Susie<br>
<p></p><i>Edited by: <A HREF=http://p206.ezboard.com/bthetriumphdolo ... ybird72</A> at: 17/5/06 12:53 pm<br></i>