Just wondered if i hasd any recourse on this issue.

In December 2009 someone drove into the back of my car. They claimed (falsely) that I rolled back into them.

There was no damage to my car at all, however the other party claimed that there was damage to her car and also claimed for personal injury. Clearly since it wasn't my falult I disputed the claim and completed a witness statement with a risk assessor. My insurer's solicitors proceeded with my defence and I have the papers that say they were defending the case.

Since around June last year I have heard nothing from the insurance company or their solicitors.

I renewed my policy in July last year with my current broker and had protected no claims so there was no issue with renewal with my existing broker.

I am now in the process of getting insurance again for a new car this time and I have discovered via another broker that the national claims database has recorded that I have a fault claim!!

I have concluded that either the insurers solicitors lost the case or that the insurers agreed a settlement. in either case, surely they have to tell me that they did this?

I would never have agreed to a settlement, since I maintain it's not my fault.

Can anyone help advise me what my next steps should be?

The Insurers can decide liability, as you effectively delegate this to them within the Insurance contract.

But they should keep you informed so that you can exercise your rights under English law, which would be to take the dispute to court if you so wished.

Suggest that you contact the Insurers that dealt with the claim and find out what happened.

I'm ghoing to call them tomorrow. Really annoyed that they didn't tell me. i suspect that they thought the cheaper option was to settle rather than defend the claim - that's cheaper for them, but not for me. Surely I pay them to act in my interests and not their own!

might be still being defended which would still count as being a fault claim I think.

I have now found out that the insurers have paid the claim made by the other party, but that there was never any liability accepted on my behalf - thanks to the insurers solicitors.

However, the insurers appear to have logged the claim as afault claim in teh national claims database, thus meaning I have a problem when getting insurance.

Feels like a bizzarre situation and one that leaves me wondering what i need to do next!!

I have now found out that the insurers have paid the claim made by the other party, but that there was never any liability accepted on my behalf - thanks to the insurers solicitors.

 

However, the insurers appear to have logged the claim as afault claim in teh national claims database, thus meaning I have a problem when getting insurance.

 

Feels like a bizzarre situation and one that leaves me wondering what i need to do next!!

They have paid the 3rd parties claims so have accepted liability. They may not have written to this effect, but that does not really make a difference.

Perhaps they have paid the 3rd party in error.

Suggest that you send a written complaint to their claims director or head of claims, asking for an explanation.