Insurance company excess. Accident caused by some one opening the door on me

[vinnychoff]

My dad had a accident where he was driving down his road and a parked car opened the door. The open door caught my dads mirror and scraped the door as well. The person was on their own at the time and said they was sorry. Later my dad called the insurance and then later that evening the person as they was only a few doors down offered to settle up out of insurance admitting it was their fault. dad said it was too late as the car was due to be picked up.

now some time later the story has changed. he cant get his access back because there is now a witness to say the door was open and dad hit the car door. the insurance company do not want to go to court over the matter as they say it is too expensive to carry it forward.

 

is there anything i can do to help dad?

thanks

[sailor sam]

The insurance co will not normally persue your excess as it's an 'un-insured loss' unless you have legal protection.

 

Has yor dad submitted the claim already to his insurers? If so, did he indicate that the TP was alone at the time?

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

[vinnychoff]

Thanks my dad has told the story and kept them updated on what happened after the accident. he was trying to convince them to take the issue to court but they do not seem likely.

Could we take them to court for the excess.

I also wonder what will happen to his no claims if it will go against him

[sailor sam]

Thanks my dad has told the story and kept them updated on what happened after the accident. he was trying to convince them to take the issue to court but they do not seem likely.

Could we take them to court for the excess.

 

Yes but you need to write to them first to give them the opportunity to pay.

 

 

I also wonder what will happen to his no claims if it will go against him

 

You only loose your NCB (or part of it) in the event of your insurers having to payout. As your dad was not at fault (according to your info), this should not be the case.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

[raydetinu]

Has the TP made a claim for damage to your dads ins co.?

You can certainly take the TP to court for the Excess, however the claim will affect next renewal unless the NCB was protected.