3rd party

[jaycee401]

my husband was driving my car which i have insured for me as third party, my husband is fully comp on his ins. a few weeks ago someone drove into the side of us so we exchanged details etc, the driver was driving a company vehicle and they wrote to us saying that they were not admitting liability and that we drove into him. we instructed a personal injury lawyer as both my husband and i had to attend a&e for whiplash. my husband does not want to claim from his own insurers (3rd party) - alhough we did inform them - as it was not ou fault and the car is a complete write off. as i needed the car for work i had to take out a bank loan and purchase another car. Our solicitor has now written to us say that an engineer arranged by the third partys insurer has been and inspected the car and written it off and is offering us a payment of �450 - P reg metro. I have tried to contact the solicitor but cannot get hold of him as im unsure who the third party is, is it my husbands insurance or will it be the guy who banged into us? If it is him then that will mean they are now admitting liability, could anyone shed any light on this for me please thanks

[harryt]

The 3rd party is generally the other insurer(person that hit you), if his insurers have arranged for an engineer to inspect your vehicle it doesnt necessarily mean that they have accepted liability, they could just be speeding the claim along and seek expenses from your Insurers if the claim is paid
Ask your solicitor for the 3rd party insurers details and call them directly for an update.
Every insurance company works differently and there is no set rule on claims procedures.

[factor-fiction]

Can i just check- was your husband insured to drive your vehicle- either as a named driver on your policy or does his own insurance policy also cover him when driving any other vehicle with policyholder's permission.
I'm not clear on something else too-- who has appointed your solicitor- have you done it yourselves or has one of your insrers appointed them.
This info may help me assess this for you

[jaycee401]

thanks for your answers, yes my husband is insured on his insurance for any vehicle with the owners permission and we ourselves instructed a personal injury lawyer

[jaycee401]

sorry also meant to add that my solicitorstated in his leter if we wanted to accept the �450 then he would get a cheque sent to us from the insurers

[cassa333]

TBH if as you say the other driver was to blame and if you think your car is worth more than �450 then don't accept the check.

Is you PI lawyer dealing with the car damage as well or just the injury?

[jaycee401]

hi cassa lawyer is dealing with all of it, �450 seems quite a reasonable offer.

[cassa333]

In that case accept the �450 but not as a final settlement of the injury claim.

[roseycheeks]

Visit www.claimforit.co.uk they helped me with my accident claim very helpful bunch,