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Hi all.

 

Had an accident last week, car aquaplaned at well below the speed limit in borderline flooded roads and spun into a crash barrier.

Police attended and agreed nothing I had done counted as careless/dangerous driving.

 

Question is

why is this going down as a fault claim and therefor liable for excess when I drove to road conditions and didn’t actually contribute anything to the accident other than being on the road at that time?

 

Is there anyway I can challenge this decision?

Any advice greatly appreciated. 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I am worried about it, anyway to fight this is greatly appreciated because I really don’t think it’s fair given the circumstances. If I was directly at fault surely the police would have charged me? 

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it’ll be fault if there is no one to claim from, your no claims (not no blame) bonus will be affected.   forget the police issue that’s irrelevant to the insurance contract. 
unless you are to try and claim if the highways agency for not having adequate roads to deal with flood, it’ll be recorded as fault.  


It’s just a term, don’t get hung up on the term, you’ll not win that argument.

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Excess is up to £3000.

 

If no one in claiming for any damage, the excess is not relevant.

 

 


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