I am not sure where I stand with my car insurance - I had an accident 6+ months back where other driver admitted liability and my insurance was then dealing with recovering the money they have paid out as a result. I have now checked my policy online and seen that the status of that claim now says - it has been registered against me (previously said in my favour) as I was not at fault. Do I need to get involved with other insurance to chase it up as I am worried it will impact my insurance premiums going forward for an accident that was not my fault being recorded against me?

Hi, Following the latest mis-selling scandal, my father-in-law has today received a letter from Homeserve "Requesting a review of your policy sale" Enclosed was a questionnaire which seems to ask some very personal financial questions, should he answer these or just ignore the questionnaire and just submit a letter claim for mis-selling. I know that Homeserve regularly used to phone him and sell him various policies until I told him they were pointless, as he was already covered. Could this just be a "fishing letter" to find out reason to disallow a claim? Think I need to get him to SAR them and find out some more.

Hello All Help and strong advice is needed today..... In August last year my hubby and I went out for a spot of lunch, we parked our car on a residential road, correctly parked, outside a house the way you do, locked it and off we went. We returned two hours later to find that someone driven across the front of our car as they were trying to pull onto their drive. Before you ask, our car was in no way obstructing the driveway. The driver of the aforementioned vehicle was in a hire van as he was moving house. The damage to the van was pretty awful, and he admitted liability straight away, he said that he had never driven a van before and had misjudge turning the van and realised that he has clipped the car but didn't realise how bad the damage was..... This is where is gets complicated so please bear with me.... What we did next was this - we took his contact details, he showed us a copy of the hire agreement he had signed with the hire company, and he gave us his new address!! He contacted the hire company and advised them of what happened and when he returned the van to them had to pay a hefty charge for the damage he caused to the van. When we contacted the hire company to ask for their insurance details so that we could get our car repaired they refused to give them to us. They demanded we took the car to them so that they could repair it!! We said no we were not going to do that. After much toing and froing, and the complete resistance by the van hire company we turned to our own insurance company for advice, this is where is gets VERY complicated as I am not 100% of who did what at this point. My husband was told that he could make a claim on his own insurance or could make a claim against the third party insurance as it was a non fault accident. The next thing we know Enterprise car hire are on the phone demanding a credit card details before they would drop off a courtesy car and a body shop garage had contacted my husband to make arrangements for the car to be repaired. We can only presume at this point this was at the request of our insurance company who would make a claim against the third party insurance. We refused to give Enterprise any credit card details, to this day we still don't know 'Who' instructed the garage! Wr then contacted accident exchange. Now this is where it gets interesting... All the time the van hire company are chasing is for OUR insurance details and we aren't handing them over!! its a non fault claim and we not making a claim on our insurance we are looking for them to settle any repair and courtesy car charges! Accident Exchange say - don't worry we will help. So we told enterprise we didn't want their car that we refused to leave credit card details. The day that the car was scheduled to be collected by the garage for repair was the day that Accident Exchange turned up with the hire car. To be honest he only have a little Peugeot, we were given a huge Insignia!! we struggled to run it as it was so expensive. We asked about the hire charges and were told that they would be claimed back from the third party insurance company. Off our car went, and that was it - or so we thought. We had word back from accident exchange to say that the third party insurance company was a non regulated insurance company and not even based in the UK! The repairs to our car were being carried out despite the garage not receiving authorisation from the third party insurance company, so things were starting to get messy. We were concerned by had our fears calmed by Accident Exchange that thing would be sorted. They had come across non regulated companies before and whilst they were difficult things generally got sorted. So - our car came back eventually, the hire car was collected, and things seemed to have calmed down! Happy days? No - we then get a letter from the garage asking my hubby to retrospectively sign a credit agreement stating that if they cant claim back the money for the repairs that we will pay them!!! Suffice to say that letter remained in our house and was not returned! We then start to get letters from solicitors acting for accident exchange as the third party were disputing the hire car charges, they admitted liability, and we have signed letter from the driver of the hire van clearly setting out that he was at fault. The solicitors for accident exchange then submitted court papers for the non payment of the hire car charges and more than likely the repair to the car, and they have returned a response to the legal team over the last few days. The solicitor has told my husband that although they have accepted liability they are not paying up. My massive worry here is that accident exchange will come after us for the costs of the hire car an I am worried sick as its not cheap and we barely make ends meet as it is...... Please please can anyone offer any help here?

I have made numerous formal complaints already with no success, I have also complained to abta with no success. Is court action the next step and if so how much can I claim from them. I will try to keep this to the point. Booked a holiday to Tunisia all inclusive, me my partner and 12 month old daughter. We booked the destination based on the short flight 2h35m and a transfer of 20 mins. This was incredibly important as my daughter was an awkward age, very difficult to keep her occupied and she had recently stopped breast feeding so food stops very important. The flight turned out to be 3h35m and the transfer 45m. I know delays can always happen but there were absolutely no delays, the pilot actually announced we were 10 mins early. Thomson simply advertised the time wrong and still do! There was more mis advertisement ie: photos of a lush indoor pool which turned out to be a pay as you go spa pool, the actual indoor pool was tatty run down and small. Again another main point of booking as we have the 12 month old. We had numerous service issues but I know these are a bit subjective. We had problems like only 3 (broken) high chairs for the entire hotel. The cot that was provided on arrival was very dirty and had about 5 of the upright bars missing, I had this swapped with an hour of arrival. It was swapped for a brand new one. My daughter slept well for the first two nights, on the third she slipped though the bars legs first and ended up hanging by her her head/neck. Luckyly I heard her crys and woke to save her, the rep the next morning actually laughed and asked if I had photos of her allegedly slipping through the bars!!! No other cots were available so you can imagine how we slept from there on. I'd had enough so I paid for a hotel swap, the rep passed me a brochure and said pick one. After explaining I had chosen this hotel and failed so I asked that she used her experience in the area to choose a hotel for us that provided a/c, facility's for my daughter and food that would suit my daughter. We then moved to a new hotel on day 4 of 7, it didn't have a/c even though the brochure and rep said it did! It was very hot at night! Apologies for the way this post is bashed out, I am on my phone and have lost all my text once already. If I think of anymore major points I will add them below. James.

My wife and I went to the PC World/ Currys store in Brentford to look at purchasing a new dish washer, when she opened the door on one of the integrated appliances the fascia fell off on to her foot. The first member of staff simply stated he wasn't qualified to deal with it and walked off with very little concern, the asst manager came over and looked vague as to how to deal with it having to be prompted for a duty first aider which he stated they don't have in store. When asked for a cold compress he returned with a pack of frozen chips and was concerned about putting them into a Currys carrier bag rather than leave them in the sainsburys bag they were already in. The only help we were offered was in purchasing the dishwasher. He had no idea about an accident book or a HS1 form. We complained to head office due to how it was dealt with and the acknowledgement they were aware the doors were falling off making them negligent in their duty of care. The store manager writes back stating that there was a first aider on duty but when asked why they were not called it was escalated to a Phillipe Sleet (DSG H&S) who stated the store manager was incorrect in his statement in having first aiders and they were in accordance with HSE risk assessments which were completed annually. He has also stated that the store acted in accordance with risk assessments by removing such plinths as a means of rectification to the doors falling off. However he has so far refused to state when that appliance was risk assessed prior to going on the shop floor or when it was first evident that the standard display fascias do not fit safely. They have consistently shown complete apathy towards this clear design fault even though the store staff have admitted they have a problem with the doors not fitting correctly. The concerning factor is this particular unit is sold throughout their network and fitted with the same standard display fascia. They have stated that where significant risks are identified they are recorded. The concerning factor is that if it is heavy enough to cause injury to an adult it could pose a significant risk to injury to a child. DSG and especially Currys Brentford seem to prioritise their sales targets over injuries caused due to store negligence. The only thing we wanted out of this was for them to look into the way risks are identified and handled, and to highlight that cutting corners does not resolve the problem, when they legally have a duty of care towards customers and staff. Head office have shown complete apathy towards this and have now been told by DSG Risks Manager he LOOKS FORWARD TO HEARING FROM OUR SOLICITORS. A bizarre approach when we are not even looking for any recompense, just to make sure this type of incident does not happen again and cause someone a serious injury or worse.

Hello, could someone please tell me, after an accident at work....is an accident investigation a legal requirement.

Hi myself and my family stayed in a popular hotel chain last weekend. one of my 3 children burnt there hands on a tap in the bathroom, the tap had a notice stating very hot water but the cold and hot taps where labeled wrong with the red and blue labels. the hotel apologized and said they would refund our fee for the night. they confirmed in a email that they had not been aware of the miss labeling but the maintenance have fixed it now. The injury to my 6 year olds hand was dealt with by myself as a first aider and didnt need further medical attention. would i be able to take legal action against them for this? or be able to talk to them about some form of compensation? Regards Luke

Hi, newbie here. Hope this is the right section. I was driving and someone ran out in front of my taxi. She ran out just a few metres in front of me and despite going fairly slow, and braking, I couldn't stop. I heard nothing about it, as the police report sent to me said she was ok and only had very minor injuries. Jump forward 2 months, I get a letter from my insurer saying that she was claiming for damages and injuries. It says that she is claiming 'I was driving without due care and attention'. My insurance company have been absolutely useless. I feel like I've been found guilty with no defense. The letter actually said that due to economic reasons, it's beneficial to accept full responsibility and pay out! I'm fuming, she was absolutely hammered drunk, and made a mistake, and I'm paying for it. I had 4 customers in my taxi at the time who saw it and are writing me witness statements, and I got a couple of other drivers too. The insurance company just cancelled my insurance! So I'm out of work too, to add to it. After I had some legal advice they have agreed to re-insure me at £5400. I'm doing all I can, but any extra help or advice would be very much appreciated! I've obviously googled things but almost everything I've found is just solicitor companies wanting pedestrians to sue the drivers. Any advice please?

In summary my girlfriend was in a collision with another. Her passenger can vouch for the events 1. Girlfriend about to turn in to side road 2. other car came out and crashed in to side of girlfriends car 3. Other driver apologises, takes full responsibility - windows fully misted and not cleared. 4. other driver leaves scene without giving details 5. other driver difficult to get hold of, non committal to giving details. 6. details eventually given 20 hours later. 7. Girlfriend has contacted her own insurance and eventually police re other drive driver details 8. Other driver given false details! (recently retained licence after disqualification for drink driving to boot). Full details eventually given. 9. Other driver now claiming girlfriends fault Currently a dispute and girlfriend is under 25 so cannot get a hire care via insurance. She is dreading a long process and living out in the stick this is a huge upheaval for her. Anyway - can anyone advise further or maybe shed light on the other drivers history being taken into account. I guess not giving details at time and giving false details are NOT admission of guilt, and common sense probably won't prevail. Any advice/comments/experience of this from other forum users will be great. Thank you

Hi all this is my first time posting here so sorry if it's in the wrong place! Basically to try and make things as short as possible, my car was rear ended by a milk/foodstuff tanker whilst stationary at a roundabout. Tanker wasn't stopping and had basically saw a gap (but not me!) visible minimal looking cometic damage to rear. Liability admitted My insurance company didn't want to carry out structural tests and dragged their heels a bit, and their approved repair centre was not BMW approved. Decided stupidly to contact a BMW body shop who directed me to accident exchange. They phoned me and quickly supplied a stupidly expensive hire car. They took my car to the body shop. Hear nothing on what the repairs where ( in my initial email to the body shop I stated damaged I had spotted and I did ask for checks of suspension/structure due to the impact/ size of tanker) I contacted the body shop directly, they then sent an estimate which did not include I phoned both claims handler and the body shop and questioned this and was told the third party did not authorise anything else to be done. I asked for reconsideration and was told I would have to pay for any tests. No contact other than a text saying I my car was ready, spoke to both body shop and accident exchange and was told my car was 'roadworthy and my hire car had to be removed, in ither words accept the car or have no car. Reluctantly agreed to have the car delivered to my place of work. On inspection noted rear carpet damage to boot (this was not caused by the accident and has 'appeared' in between!) rear high brake light non functional rear washer jet non functional, sunroof rear still damaged. Wrote on the delivery sheet and took a copy to say non happy not fully check above faults noted. Driving home to collect son from nursery tyre pressure Sensor comes on I check tyres all fine and pressure car doesn't feel right. Limp home (very short distance overall) try phoning claims handler and they basically wash there hands of it, body shop closed (have call log) Booked in to local garage for free check, they say alignments out funny wear to rear tyres. Next day have alignment booked in new tyres ordered in an effort to get the car safe. Tyres arrive the next day they spot both rear coils are sheared! Write a report for me stating not road worthy and due to accident at this point it's midday body shop that carried out the repairs is shut, no point phoning accident exchange! File a complaint with them via email. Wait until Monday and my husband drives me to the bodyshop for a personal visit. Ask for a full report in what repairs where carried out, after seeing no tests for road worthiness being carried out throw part of my rear coil on the table they admit they never carried out any checks and that they messed up, blaming the third party as they had no authorisation from the third party! Agreed to take car back and jig it for 'free' and apparent look at getting the other items sorted (all funnily located on the rear of the car!) the drive my car despite it being not roadworthy to there garage 27 plus miles away) I receive a call to say the third party won't pay for any extra repairs as the examiner (all from the third party) state the coil has some rust (the car has been driven above and two three other appointments and sat for three months now!)they say the sunroof had screws loosed even though I have my initial email stating I manually closed the roof and I did not want the interior of the car damaged) carpet is now apparent wearing due to age (looks more like scorch marks made during repairs. Brake light on rear and washer jet not even considered. I was told the bodyshop have repaired the light and washer jet. They want their hire car back this Monday and I either have to pay for new springs or have a car driven back I presume with two rear broken springs. They say as good will they will only charge me 109.00 plus vat per spring, phoned a few mechanics who say that they are pretty sure they are huffing labour in the price check ebay springs range from 40-80 PER SET. I was asked by the body shop to write a letter of complaint so I did with ten appendixes supporting it. Nothing. I am frustrated as I will now get a car with lots of defects, not sure if there are any more hidden, all the checks have been through the third party and claims handler doesn't push it at all I appear to have to do all the pushing and have been informed I will have to go through the small claims courts! I must add the following: My car was MOT'd 3-4 weeks prior to the accident no note of any spring wear - I've hustled this garage for years and they will always highlight any issues My car was at a local garage 4 days prior to the accident (different garage) who drive the car and he is our neighbour and he would have noted problems straight away! My car is regularly serviced (last service was a few thousand miles early!) I have emailed the FSO but heard nothing, accident exchange have washed their hands of this. Find out from other posts that the garage is financially linked to accident exchange! Not sure what to do so any advise would be great, I don't want to pay for the tears and certainly not to the body shop but it looks like unless I pay I will be completely car less!! Spoke to mechanic who said it is extremely rare that both coils would go at the same time likely to be accident related given the impact force and is happy to come and inspect and write a report which will mean I have two reports. Surely the third partys engineers report is flawed and biased at saving money as they failed to carry out any basic full checks the first time? What about the garage they admit negligence but not in writing (verbally in front of me and my husband and on the phone hence the 'good will' gesture. This has really begun to affect my health due to the stress. I have contacted the mail today who are a little interested watchdog with no reply and the local newspaper who are really keen to publish a story. I will phone my own insurance and ask for help, as they are not open today but will I expect get a flat and rightly so I told you so! PLEASE USE ACCIDENT EXCHANGE AT YOUR PERIL! I have been give a car not road worthy could have caused smother accident/death of me and my 3year old snd recieved 3 points and a fine for my brake light. I now have the joy of a unroadworthy car Monday and a nice bill to get the car safe! Please if you have any thoughts let me know we are very desperate now!

can anyone advise? two thread question: mum (72) had accident at work (nhs) caused broken bones and has been off work since august, now been given formal warning for absence. is this correct on a work related accident? second part is she has appealed and been told 4 people will be at the appeal including the two she saw at the last hearing... surely this is excessive and intimidating for her?

This is a question on behalf of my partner who is very worried about this matter. On my partner's way back from work, she accidentally bumped into the back of a young girl's car (around about 24-25 years old)... Anyway, the conditions were poor as it was raining heavily and the floor was obviously slippery because of that. However, the "bump" was only a MAXIMUM of 5mph... I checked the front of my partner's vehicle (Clio 04) and it was fine - no dents, no scratches, no marks - nothing! Upon the "bump" the girl in the other car pulled over to the side of the road and they exchanged details. The girl in the other car told my partner that "there doesn't look like any damage has happen"... HOWEVER, 2 days after the bump, my partner had a phone call from that other drivers' Mother. Apparently the car was damaged - a new back bumper was needed along with a new tail gate so I personally agreed to pay the £650.00 that they were apparently quoted by their usual garage. Today (5 days after the incident), a letter from a law firm arrived at my house as the other driver apparently had whiplash. Obviously her address was on the claim form so I drove up to her house to check out the car myself. There was no a single scratch, dent or mark on her car either... I took photos of the back of her car and the front of my partner's car and sent them off to her insurance company along with a nice email stating everything that had gone on. Can people actually get severe whiplash for an incident no more than 5 mph which left no visible mark to the car? even if you run your hand along the apparent damaged bodywork you wouldn't be able to tell it had even had a brush against another car. It seems as though someone who we know has randomly claimed a bump with my partner for some reason. Surely anyone could say "I had a bump and have pains in my neck/shoulders and want to make a claim" - Surely they only have to have our address and know which car we drive and they could make a claim... There is NO damage to either car so how could someone possibly have whiplash from that? HELP PLEASE!

My son, rather stupidly, allowed his friend to ride his motorbike and he was involved in an accident with a car. My son was devastated, the bike was his pride and joy. The police were called and his friend is likely to be prosecuted. The bike, which was in my husbands name, has been repaired and sold to a colleague who is fully aware of what happened. Today my husband has received a letter from Privilege Motor Claims saying their customer has reported the incident to them and given them my husband's details. They have been in contact with his insurance company and understand that he has not reported the incident to them and asking him to do so as soon as possible, reminding him of his duty under the Road Traffic Act to report any incident he is involved in. Now, obviously he hasn't reported it because he hasn't been involved in any accident. I would really appreciate any advice you can give as to what we do now. Should my husband just reply saying he hasn't been involved in an incident, should he ignore it or should he give them my son and his friends details?

I insured with Hastings Direct which I am now really, really regretting. Whatever you do DON'T insure with them. Unless you want a truly bad experience if you ever have to claim. I recently had an accident on the inner ring road in Leeds, a dangerous place at the best of times. There was a stopped lorry and the car in front panicked (maybe) and did an emergency stop for no reason. It was a low speed impact. I called Hastings and was recovered to Nationwide Crash Repair Centre. I was told on the phone that NCRC would provide a courtesy car. When we got there they informed me that there were no courtesy cars available and there wouldn't be until the following week. this was Friday. I rang them every day after that, until the assessor had deemed the car a total loss. At which point they wouldn't give me a courtesy car anyway. I've had to hire cars for the last three weeks. I received a letter from Hastings telling me what would happen during the claim. One of the items was that the car would be taken to secure storage and I need to take out any personal belongings before it is moved. The letter was dated on the day of the accident, but I didn't receive it until a week and half later, by which time my car had been taken to Copart in York. Copart sent me the tax disc back the next day. Last week, I received a letter from the Total Loss Team at Hastings asking fro my documents and referring to the Policy about how an estimate is made. I never received any documents from Hastings Direct in the post - no certificate, no terms and conditions. I've called three times asking for copies of the policy. The first time I was emailed a copy of the certificate, which I din't ask for. The second time, I was told that they don't really do this, then after speaking to her "senior" for several minutes was told it would be emailed to me. The third time I was told that the t&cs can't be emailed but that a paper copy would be posted to me. That was several days ago, so not holding out much hope. I've also been told that I can't buy the car back once an settlement is reached. They said to phone Copart and ask them. A very nice lady at Copart informed me that they don't sell privately, but only via auction. She said she didn't know why Hastings don't sell back to the owner, and that they are the ONLY insurer in the UK who don't do this. The policy was a bit cheaper than others, but no surprise because it is a nightmare. To buy the car back via auction, this would mean driving to York, removing all the handsfree and audio equipment behind the dash, transferring my number plate, joining Copart, bidding on the car, reinstalling all the equipment and re-transferring my plate back to the car! The car is a rare one. It took me ages to find this car with this exact spec. I'll never find another one like it, and the parts will go for a fortune at auction! Is there anything I can do? Should I see a solicitor? I have access to a low loader, a mechanic, all the parts needed and a paint shop. I can get the car repaired for a third of what the assessor has said. Not worried about Cat C, as I never want to sell it.

Last 24 November I was involved in a traffic accident LV insurance my ins comp ruled was my fault and I went along with them. Despite being fully comp I have a county court claim, stamped as served 8 Oct 2013 which arrived Saturday. The claimant is suing me personally for whiplash and 2000 pound because they hired a car and for private therapy all at this late stage I suspect because LV have said they wont pay for these things. What possibly is going on here? Worried Overdone.

Hi Im looking for some advice. My husband had an accident in December 2009. The accident was at work so he claimed industrial injuries disablement benefit. He was also in receipt of DLA and ESA. The claim is coming to a settlement at last however the medical expert has said my husband would of became disabled anyway but the accident accelerated this by 12 months. The DWP has asked for benefits back for the first 12 months only apart from the IIDB which they want back in full upto settlement date. The ESA doesnt need to be paid back at all as he started getting that after the 12 months. Now this is where my query is. As its income based ESA the amount we got for IIDB was deducted from the ESA automatically basically making us no better off by claiming. Now my question is would we be able to claim back the ESA under payment once the IIDB has been paid back as it doesnt seem right that we have lost out. many thanks

I recently purchased a budget cross trainer from Argos as it had some amazing feedback considering the price of £69.99. Item no 906/1686 I today attempted to begin putting it together and first thing first, put the legs on the instructions say. I lift the main body of the trainer on to its back to attach the legs and as it did not have a great balance it fell on me and has given me a black eye and cut my bottom eye lid :Cry: I don't see how 1 individual person is able to assemble this alone. The instructions do not suggest there to be 2 people and I am a single mum. I am quite upset about my eye but more upset that Argos Customer Services have asked for me to return it to the Store where I purchased it from and fill out a Hazard notification form. Well the box clearly says 25kg and although the box has slits either side to put your hand through to hold it, you can not get your hand through as the polystyrene is in the way. I personally could not lift this as the box is of a long rectangular shape and asked a member of their staff to bring it to my car when I purchased it and even he struggled. So asking me to pack it back as best as I can and return it is something I won't be able to do. I will put half back in the box and the other half in double black bags. I want to know if I have any rights with regards to my eye? Am I entitled to compensation at all? My job as a model means I can not work until my eye has heeled

Hello everyone, I was recently involved in a road traffic accident and I’m not sure how to proceed. I was in the middle lane approaching a roundabout and I was driving to go straight over. There was a large commercial lorry from Germany to my left. We were both going straight over (= the second exit), I was going to go onto the outer lane and he was going to go to the inner lane, well so I thought. As we were exiting the roundabout he drove into the rear passenger side of my car, with the front passenger side of his car (bear in mind his car was a German left hand drive lorry). He and his colleague got out of their lorry and I out of my car. They both could not speak a word of English and I could not speak a word of German. From their body language they both appeared very apologetic, and appeared to be apologizing. They kept saying “police, police”, so I called the police. However when I called them they said it was a minor accident and there was no need for them to come, and we should sort it out between ourselves, i.e., exchange information. We exchanged information as best as we could, however they gave me a printed paper to fill in, which I could not understand as it was in German, I filled in my contact details where I thought appropriate, they asked me to sign at the bottom, but I refused to do this as I couldn’t understand any of it. I was not able to stop any car to be a witness to the incident. I have a slight pain in my shoulder, but it does not feel like anything major. I had my work laptop on the passenger seat, however in the accident it was knocked to the floor rest, there is a slight crack on the case and a blue screen, it does not appear to be working. So I’m not sure how to proceed. Shall I call my insurance company and explain to them what happened? Or should I contact a solicitor first? I don’t really want to be spending money on a solicitor if I don’t have to. Is this something I could resolve on my own or with the help of my insurance company? Or should I contact some sort of a no win no fee solicitor? I would really appreciate some advice. Thank you. Jamie.

Hi guys, I witness a tragic accident on Sunday morning and even though my car wasn't involved the police have impounded it. They say this is just procedure but as you can imagine this is very inconveniencing for me. There was no damage or marks on my car and was really no need for them to do this, to be honest they treated me like I was a criminal and it thoroughly peed me off and I doubt I will be stopping to help at an accident any time soon again even if I am the first on the scene. My main question is, do they have the right to do this and is there any way I can make them return it? I need the car for hospital appointments and other stuff and I don't even have access to my bank as I left my cash card in it. Any advice would be much appreciated.

Had a bump in 2011 and as a last resort had to go through an accident management company. My car was taken away and I was given a hire car for 2 weeks. The management company called around 6 months ago and advised that the third pary insurer had admitted responsibility so I thought it was all sorted although I now have received a letter advising that their car hire bill has not been paid. They also state that "Our panel of solicitors or our company will not request payment of any legal costs from you, as long as you do not fail to co-operate" I have to fill a Form of authority and also include my Solicitors contact details. Should I be worried or cautious ? Thanks

Back in November 2012, a Romanian HGV collided with my car. Basically, as I finished a left hand bend, I was faced with the third party driving in contraflow, and I took evasive action, steering to the right, at which point the other driver was moving to the correct lane, hitting my car on left hand side, leaving it with severe suspension and body damage. Given that they didn't speak any English, I called the police that arrived 30 minutes later, and managed to get their details and of their insurance. Since my policy is only Third Party without legal protection, the onus of recovering uninsured losses rests with me. So on the same day I got in contact with the representatives of the third party's insurers in the UK with supporting evidence of the third party's liability. To this day, I've only had confirmation of third party cover, car inspected on behalf of the third party's representatives and it was deemed a write off and a valuation supplied. It has now been more than 90 days since the accident and there has been no statement of the third party's liability, and my patience is running out. Should I take them to court, and if so how do I do that. Any help is greatly appreciated.

Any general advise please. I was involved in an accident whilst coming towards a Keep Clear Box. The road had filtered into 2 lanes and as I arrived at the KCB a 7.5 truck was on the inside lane. I noticed a vehicle suddenly pulling out from a Ford garage and the driver looking left then suddenly pulled out turning right and straight into my offside. He claims that I was in the KCB . He was potentially obscured by the truck but should have shown more caution . My point is I was not in the box and though he claimed I was this meant that I would have had to be hit then decide to reverse backwards with traffic behind me. What I would like to know is even if I was in the box moving forward or stationary am I at all culpable? Without the box he has pulled out of a side entrance and hit my car on the main road. The fact that 2 of his colleagues said they saw me in the KCB when they work in the garage 50 metres away makes little odds to me. Also the garage manager refused to give me the drivers details ; stating that " all my insurance company want to know is that he was a Ford technician". I have asked the Ford Admin Dept to verify if a police report was filed within 24 hours as I did not receive the details. Any views thanks. Also just received a response from Ford Unfortunately I cannot comment on the circumstances as we do not yet have the completed accident report form for our driver. I can advise that the drivers name has been given as J>*** *******r. We are not obliged to give his personal address, as he was an employee driving in the course of his duties the business address is sufficient. All correspondence should be directed to the address below. As I understand it, the vehicle belongs to a customer and therefore once again I cannot give you their personal details. The insurance company is *******. However they will not be aware of the accident until we receive the form and forward it to them. I will chase up the form today. Now I do not have the driver details but they are refusing to give owner details. No mention of police report also.

My friend had a serious motorbike accident, which resulted in him being in intensive care and on life support for 2 weeks. He has 8 broken bones and is in a wheelchair for the time being. From what I understand the other driver was at fault..........BUT and I mean but, my friend had no insurance, mot......yes I know hes an idiot. Is he able to claim or does he have to take his injuries as punishment and move on?

Hi all really appreciate any help! I had a minor bump on Friday in the car- the car in front of me ended up with a few scratches. Afterwards I went home and looked through all my car details and I realised that I have a problem. Last year I bumped into a footpath and did a small bit of damage so I claimed on the insurance so this year we decided to have my partner as the main policy holder and me as a named driver (I disclosed I am the main driver). We both signed and dated the V5C registered keeper form in march but I forgot to send in the form. So I have just posted it off yesterday to arrive Monday. I am really not sure what to do now. Do I tell the insurance company? They might now pay out the claim and I might get in trouble? Or do I hope that when they check out who the registered keeper is the name has changed over already? I would like to limit the amount of trouble I could get in and the amount of cash I might have to pay out. Really appreciate any advice!!

Motorists are being warned about a new insurance [problem] where criminals flash their lights to let other drivers out of a junction, then crash into them on purpose. Anti-fraud experts are calling it "flash-for-cash". The gangs tend to target new, smarter vehicles or vulnerable road users, including older people and women with children in the car. The [problem] is costing insurers hundreds of millions of pounds every year. It is a new tactic for an already well established crime, called "crash for cash", where criminals slam on the brakes for no reason so that the victim drives into the back of their car. More...