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Hi

Please could you advise me where to post for help on the following

 

In May 2012, my wife and son were driving, and were hit by a car whilst stationary turning right. The driver, a well meaning Doctor, immediately apologised and admitted liability.

 

We were insured by Sabre through Igo4. The doctor was insured by Direct Line.

 

We advised IGo4 of the accident. We then got a phone call from Direct line saying that they would deal with the whole claim and they would provide a hire car straight away.

 

Not knowing any better we agreed.

 

The saga began! The hire car was not delivered until we raised a fuss. A very pushy "engineer" rang me and said he was going to look at my car, where was it. I said that it was at home but I wanted to be there when he came. He drove to my house immediately, and looked at the car without our permission, and then wrote it off. He rang me to say he had seen it and we were to get £250. I did not agree.

 

He has put in his report that we agreed, and the case is closed.

 

Direct Line sent a cheque for £250, and I refused to cash it. They voided it.

 

They do not answer my Recorded Delivery complaints.

 

I have been to the Financial ombudsman, and they say I haven't got a claim, as we were not insured by Direct Line, even though I have an email saying that they will be responsible for everything.

 

Can anyone help please? The crash was May 2012. It is now June 2013.

 

Jonathan Dorey

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Hello and Welcome,

 

I have moved this thread to the appropriate Forum where hopefully you will get some advice shortly, please continue to post here regarding this issue.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert - Slick132

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Here is what I would do. If I had this Doctors contact details, I would contact them to advise of the problems with their Insurers Direct Line and that it was forcing me to look at issuing a small claims court case against the Doctor in relation to the accident. I would ask the Doctor to make a complaint to Direct line to put pressure on them to resolve the claim with you, so that a court claim was not necessary.

 

If you do not have the Doctors contact details, I think you should send Direct Lines Head of Claims a letter before action stating that you intend to issue a cout claim jointly in the names of their Policyholder and Direct Line. With the letter, you should enclose details to support the value of the car. This will be the market value to replace the car with one similar. So this will be book values from guides such as glass.co.uk and Parkers, plus advertisements from local car dealers and/or private sellers. Ask them to settle the claim with you within 21 days or you will proceed to issue the court claims. You can issue the court claims online if you need to.

 

The alternative if you have comprehensive cover, is to claim off your own Insurance, but with the excess to be deducted and then to claim back off Direct Line, this may take just as long.

We could do with some help from you.

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Many thanks for your reply

Unfortunately we only had third party on this one, but it seems incredible to me that you can be stationary, and someone hits your car, and then decently admits to it. The insurance company (Direct Line not our insurance company), emails and says that they will be fully responsible, and then just does what it wants regardless of what you say, and then finally does not reply to correspondence when you don't agree? It seems to me that they can run rough shod over us.....I don't find that easy to take!

 

Many thanks again. It looks as though we are heading for court!

 

Jonathan

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If you can contact the Doctor you had the accident with about this, they may be willing to make a complaint to Direct Line, as I doubt they would want the hassle of a court claim being issued with their name on it.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Thanks for your thoughts.

I don't really want to cause the doctor a problem, as I feel that he did the decent thing. However, I do feel that as Direct Line's management is so cavalier, they need to be taught a lesson, (Interestingly, I note that they have just been fined big time elsewhere for poor management).

Thanks for your thoughts again.Following your suggestion, I think that I will see if we can get the doctors contact numbers. He may wish to help.

 

Many thanks

Jonathan

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The cheque from Direct Line would normally be net of the salvage value, this means they send you a cheque eg £250 and you keep the car, even with accident damage the salvage will be worth upwards of £150

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