Hi.

I was only driving for a month, i had a crash, one passenger - my friend.

Whats happened is, the vehicle was taken to a recovery yard, at this yard the vehicle came under arson attack and was burnt out with about 15 other cars.

My insurers were happy for my policy to continue ( i paid in full) and they are happy to wait for me to add a new car and continue as first.

Now, my friend who was with me had two broken ribs and a fractured nose. I'll be honest and say I think shes going to take this as an opportunity to get as much as she can. Yes I was at fault here, and she was injured, but Shes lazy, Doesnt have much ... anything and. Yeah pretty much I know shes going to try get everything she can.

So i'm now wondering how bad am I going to get screwed for this? What will happen?

Ive received the cheque for what they valued the car at, and i believe they are going to recover the costs from the yards insurance (and i can then claim my excess back from the yards insurance too) but now with my "friend" its all.... I dont know what will happen.

Until she submits her claim, I think there is very little you can do.

This is quite simple. Your friend just contacts a no win not fee solicitors and they make a claim for personal injury to your Insurers. If you receive any paperwork, then you just pass to your Insurers. The negotiations between your friend/solicitors and your Insurers would be none of your business.

If you read your policy, it will tell you that your Insurers have responsibility for deciding over matters of liability and responding to third parties. If you get involved in any discussion about liability or compensation, you may breach the terms of your policy and your Insurers might send you the bill. If you stay out of it and just pass on anything to your Insurers, then your Insurers will pay any relevant settlement amount to your friend. It does not affect your policy, as there has already been a claim anyway.

I have stayed out of it. Other than her telling me she is going to. and obviously telling me what they said at hospital..

And okay thanks.

Hi.

I was only driving for a month, i had a crash, one passenger - my friend.

Whats happened is, the vehicle was taken to a recovery yard, at this yard the vehicle came under arson attack and was burnt out with about 15 other cars.

My insurers were happy for my policy to continue ( i paid in full) and they are happy to wait for me to add a new car and continue as first.

 

Now, my friend who was with me had two broken ribs and a fractured nose. I'll be honest and say I think shes going to take this as an opportunity to get as much as she can. Yes I was at fault here, and she was injured, but Shes lazy, Doesnt have much ... anything and. Yeah pretty much I know shes going to try get everything she can.

 

So i'm now wondering how bad am I going to get screwed for this? What will happen?

Ive received the cheque for what they valued the car at, and i believe they are going to recover the costs from the yards insurance (and i can then claim my excess back from the yards insurance too) but now with my "friend" its all.... I dont know what will happen.

You were negligent and your passenger was an innocent victim. She has every right to be compensated for her injuries caused by you.

There is no argument over liability. You were the driver. You are at fault.

As for the amount of compensation she get, it is nothign to do with you and there is nothing you can do about it. Your insurer will pay on your behalf so just let it go and try to maintain your friendship.