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When driving legally and paying your way means paying for someone elses F*ck up

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Bazgti:
Ahhhh i didnt put that in. My apologies. I spoke to the 3rd party solicitor to start the ball rolling as a counter measure if he didnt pay up. Their number was given to me the body shop tjat i went to the morning after. They said that the would do all the running work, i just needed to give them the nod to proceed. So i logged it basically, if he didnt pay. I was promised the full sum the following Friday. He dropped a s*it excuse on me on the Friday morming. So i pushed for the claim afterwards.

I had a drive by his address yesterday. The vehicle is parked down the road from the house. In a really odd spot if im honest. The house looks derelict, granted most of Rochdale looks like that. Theres just something not right. Il see what Admiral law can do tomoro. Il get on to the MIB too. See if i can get some guidance on this silly suggestion that i claim 1st before they help me.

Bazgti:
Update :

Ive been on to citizens advice and drawn a blank. They couldn't even offer basic advice on the matter.

I then got back on to Admiral (my insurance) and fortunately spoke to a chap who was willing to go that little bit further for me and explain how Collingwood (3rd party) had come to their conclusion. Collingwood state in their terms of contract that they will under no circumstances entertain breach of any products they sell. He mentioned that theyve had plenty of incidents with this company and theyre a nightmare. They have supposedly brought his insurance down a level to something called 'article 75'. Where they will cover my personal injuries (estimated 4 month recover and 14 physio sessions) and a potential pay out for the injuries and also any expenses that i occur which includes my excess and hire car etc. Admiral have said its pointless for them to take Collingwood to court as they know the outcome will mean theyll need to pay court fees etc and still not win. The issue is with the driver and not Collingwood. They have suggested that small claims court from person to person may be an option. I asked about MIB (This is the real kick in the bollo*ks) 
MIB only act in the event of being hit by an absolute non insured driver. Technically he has insurance. So im basically lay in a grey area. Admiral have emailed/written to say that they will stand on my 1 years no claims bonus because it wasnt my fault. But if i claim, it will go down as an expense on the insurance Q system of £550 (total minus excess) which will show other insurances that ive claimed but will also show that ive been given my NCB bonus and will insinuate that it was none fault. All very bizarre. Ive done some insurance quotes based as if i was renewing tomorrow. £802 with 10 years no claims and 26 year old Mrs as named driver with a claim. £667 with no claim. Its basically gone up £50 on last year at £802. 
Im still going to pay the little p*ick a visit tomorrow to see if i can extract some sort of payment out of him. Its unlikely looking at the state of his property. Small claims seems pointless as he'll probably end up paying me a pound a week, forever. Claiming on my own insurance and getting out of the way is looking like my only real option. My blood is literally on fire, but im running out of options quickly.

Ive spoken to our fine fine police force at GMP and theyve asked me to basically do their job. If i see him, 999 call them to report him. So they can catch him in the act. The picture of him stood next to my car and his in the middle of the road isnt enough...

Kujo:
Sorry to hear that, that seriously sucks.

We've just spent 19 months having to go to court because a guy hit my wife's car head on, he was on the wrong side of the road passing parked cars. He tried to claim she pulled out on him. Even though the evidence clearly proved he was in the wrong, his insurance company allowed it to go to court. Ended up costing them way more but was such a ball ache.


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pudding:
The police didn't have the resources?  So if I told the bank I didn't have the resources to pay my mortgage, they would just take that?

This country is an utter joke. 

I've been hit a few times, and even with witnesses, the claims still went 50/50.  With one of the incidents, the girl who drove into me even tried to leave the scene.  I caught up with her, she apologized, and I even helped move her stricken car off the road.  But rather than just going through the inevitable 50/50 motions......her and her f'ckin man hating insurance company (Diamond!) tried to throw everything they had at me to avoid paying out.  They failed, but it was unnecessary grief that made me livid.

I've been preaching for years about how corrupt the whole insurance / bodyshop / legal aid setup is.  They all get a big slice of the pie each, and the clients get the left over crumbs.  And we have to pay extra for our non-fault accident upon renewal.

Over the years I've learned it's best to just claim off my own insurance and get a good night's sleep.  I can't change how corrupt this country is, and I don't worry about things I can't change.   The only way to make change is by boycotting..... but no one will do it.

Anyway, as annoying as it is, I think you'll need to try and move on from this as best you can.

andyiseddy02:
I had to deal with an insurance company a few years ago. I agree that the whole system is flawed to say the least.
I argued his insurance company into silence more than once. (Because it was his fault).
After a year of arguing and when it looked like I might be winning, the other driver came up with a mystery independent witness and the insurance company believed him !!!!!!!!! 0NE YEAR LATER.

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