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Platinum77

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  1. Thanks for doing that Look forward to hearing from them J
  2. Hello guys I'm after a little advice. About 4 months ago I was over taking a truck when it turned right into my path. The pick up truck was turning right into a pub. I crashed straight into the side of the truck. The truck had come out of a junction on the right before the pub and was heading in the same direction as myself. The truck was moving very slowly and there were no solid white lines. I came up behind the truck, mirror signaled and went to over take when the driver turned right into my path. The 3rd party did not indicate to show their intentions. My insurance company hadn't had any information from the 3rd party until the lady driving the truck put a personal injury claim in. The legal company around this time forwarded me a letter from the 3rd party insurance company of the truck saying there was an issue around the insurance of the 3rd party on the truck, but that was all the information that was given. I forwarded the details onto my insurance company. The police came round to see me last night and said that the 3rd party driver was not insured and neither did she have a valid license as it have been revoked by the DVLA. I assumed this would go in my favor towards the depute claim. The insurance company claims handler called me this afternoon to say that it was looking at 70/30 liability but would not doubt just settle 100% my fault as it was cheaper for them not to have to go through the courts. I assumed they would have known the driver, who was putting a personal injury claim in, didn't have a license nor was insured.. appeared they didn't until I told them. The claims handler didn't think this made a difference and said they were dealing with a civil matter and the fact that the 3rd driver was being prosecuted by the police had no bearing on it. I called the legal company that has been dealing with my case to recover my costs, they said that its completely wrong that they would be paying out a personal injury claim for a driver who shouldn't have even been on the road. The legal rep put me on hold and confirmed this with their manager. They said no pay out should be made until 3rd party had been to court. The legal rep advised me to ask to speak to the claim handlers manager when he calls me tomorrow morning but to also seek legal advice regarding the situation. I asked them were they not my legal representatives and they advised that they were just involved in recovering the costs of the car. I was only insured 3rd party. The costs I'm mainly concerned about are the three years of premiums that are in the thousands. Does anyone know where I stand on this because it seems like I'm banging my head against the wall. I hate to think that the truck will be fully repaired from the cost of my insurance company and a non licensed not insured driver will end up getting a massive pay out for personal injury. Thank you for taking the time to read
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