Corporate and Legal Collections

[GraleGeeza]

Hi Cassie,

 

 

I've just seen your post and felt compelled to create an account up here and reply due to a similar experience I had a few years back.

 

 

I too was involved in an incident in which I had a prang with a parked vehicle, however I actually managed to find the owner of the car (through an incredibly embarrassing series of doorstep conversations concerning who may be the owner of the slightly smashed Range Rover, not my finest moment) and had a conversation about my reimbursing him directly without involving insurance companies as I was, unfortunately, without cover at the time.

 

 

A long story short he decided to go through his insurance company who eventually contacted me for repayment of the monies that they had to spend fixing their insured car.

 

 

At first I ignored this contact as I felt that it was unwarranted as I had no responsibility or obligation towards the insurance company given I had crashed into an individual and I was not insured.

 

 

When it came down to it (after a hefty solicitors fee for taking advice) the insurance company are well within their rights to recover from the uninsured driver as they are forced to pay out for the repairs/ loss under their contracts etc. They are then entitled to recover this from me and you via what I've been led to believe are 'the rights of subrogation' (please correct me if I'm wrong) but that's getting a bit too far down the jargon path for me.

 

 

What I'm getting at is I believe you will be liable to repay the insurance company as there is a legal duty to cover their costs if the pay out in an uninsured incident.

 

 

As regards the debt collectors though, I am less well placed to advise you however I would say getting any paperwork sounds like a good starting point to me.

 

 

I hope this helped,

 

 

Graeme