142 days -anyone here paid third party claim.
Member
Thread Starter
Join Date: May 2019
Location: London
Posts: 232
142 days -anyone here paid third party claim.
Hi
Most of you are known my case.I caught of drink driving and plead guilty in court.I am sober since then.However I got A massive bill from my insurance company.I wanted this to pay as minimum as possible.
Are there anyone who.already had been through this ? .So would you be kind to share your situation?
How had you dealt with ?
I am greteful for you helping hand .
thanks
Most of you are known my case.I caught of drink driving and plead guilty in court.I am sober since then.However I got A massive bill from my insurance company.I wanted this to pay as minimum as possible.
Are there anyone who.already had been through this ? .So would you be kind to share your situation?
How had you dealt with ?
I am greteful for you helping hand .
thanks
Not Alone
Join Date: Oct 2012
Location: South East UK
Posts: 1,513
Originally Posted by Paulsandy 
Hi
Most of you are known my case.I caught of drink driving and plead guilty in court.I am sober since then.However I got A massive bill from my insurance company.I wanted this to pay as minimum as possible.
Are there anyone who.already had been through this ? .So would you be kind to share your situation?
How had you dealt with ?
I am greteful for you helping hand .
thanks
Most of you are known my case.I caught of drink driving and plead guilty in court.I am sober since then.However I got A massive bill from my insurance company.I wanted this to pay as minimum as possible.
Are there anyone who.already had been through this ? .So would you be kind to share your situation?
How had you dealt with ?
I am greteful for you helping hand .
thanks
I wish you the best of luck with what you're going through.
Natom
Member
Join Date: Feb 2013
Location: W Washington
Posts: 11,589
were you involved in an accident that caused damage to the other car OR did your insurance premiums go up? in both cases, with alcohol involved, not many insurance companies are going to just let that go.
you are best to talk to an expert in this field. SR is just not a good source for any legal issues.
you are best to talk to an expert in this field. SR is just not a good source for any legal issues.
Member
Thread Starter
Join Date: May 2019
Location: London
Posts: 232
YES I had A crash damaging two parked vehicles.With drink driving solicitors they normally deal with licencing .Now I plead guilty to court so its over.
Its the third party cover that my insurance company want to recover from me.I wanted to negotiate with insurance company to reduce the amount.Therefore looking how I mitigate this.
i am banned for driving so matter of raising insurance premium.
Also I am planning to talk with citizen advice but I know they only give solicitors contact.
If someone here had been.faced the problem would be a great idea .Worth trying nobody knows.
Thank you all for your helping attitude.
Take care
Its the third party cover that my insurance company want to recover from me.I wanted to negotiate with insurance company to reduce the amount.Therefore looking how I mitigate this.
i am banned for driving so matter of raising insurance premium.
Also I am planning to talk with citizen advice but I know they only give solicitors contact.
If someone here had been.faced the problem would be a great idea .Worth trying nobody knows.
Thank you all for your helping attitude.
Take care
Ocean Lover!
Join Date: Apr 2018
Location: You know nothing Jon Snow - UK
Posts: 2,604
Try typing in google “drink driving forum U.K.”. The top result is a site I used to get advice. SR is not the place to get legal advice, not that people don’t want to help as we all do but you really need proper legal advice at this stage. There are contact details on this site for solicitors in the U.K. that will offer you some free legal advice and plenty of people who have experience to share with you on their forums who have experience the same issue you are facing.
Best of luck x
Best of luck x
Member
Thread Starter
Join Date: May 2019
Location: London
Posts: 232
MantaLady and all,
Have been through drink driving forum ,helps are available regarding licences only.For third party damage they advise to find a different solicitors or help.They say its a civil matter and they provide help for criminal one.
Anyway lets see if someone come here.
I know its not the best forum to talk but worth trying.Few of definitely been through this case.
Take care
Have been through drink driving forum ,helps are available regarding licences only.For third party damage they advise to find a different solicitors or help.They say its a civil matter and they provide help for criminal one.
Anyway lets see if someone come here.
I know its not the best forum to talk but worth trying.Few of definitely been through this case.
Take care
Member
Join Date: May 2019
Location: UK
Posts: 3,943
Originally Posted by Paulsandy
I am planning to talk with citizen advice but I know they only give solicitors contact.
p.s. Well done on 142 days and remember this insurance problem will be over one day.
Member
Join Date: Aug 2019
Posts: 27
Hi,
First off, nice job on 142 days.
But I have a question. So you caused some property damage to 2 parked cars and your auto insurance company paid out on the claims? Are you saying that the insurance company now wants to recoup the settlement amounts from you? In total? Or just the deductible?
I’m in the US so I’m obviously not qualified to give you any advice on defending against a UK insurance claim (nor is that my intention). But generally speaking, the insurance company usually doesn’t try to recoup the claim payout against its own policyholder. That somewhat defeats the purpose of insurance.
First off, nice job on 142 days.
But I have a question. So you caused some property damage to 2 parked cars and your auto insurance company paid out on the claims? Are you saying that the insurance company now wants to recoup the settlement amounts from you? In total? Or just the deductible?
I’m in the US so I’m obviously not qualified to give you any advice on defending against a UK insurance claim (nor is that my intention). But generally speaking, the insurance company usually doesn’t try to recoup the claim payout against its own policyholder. That somewhat defeats the purpose of insurance.
Member
Thread Starter
Join Date: May 2019
Location: London
Posts: 232
Originally Posted by HarryLime
Hi,
First off, nice job on 142 days.
But I have a question. So you caused some property damage to 2 parked cars and your auto insurance company paid out on the claims? Are you saying that the insurance company now wants to recoup the settlement amounts from you? In total? Or just the deductible?
I’m in the US so I’m obviously not qualified to give you any advice on defending against a UK insurance claim (nor is that my intention). But generally speaking, the insurance company usually doesn’t try to recoup the claim payout against its own policyholder. That somewhat defeats the purpose of insurance.
First off, nice job on 142 days.
But I have a question. So you caused some property damage to 2 parked cars and your auto insurance company paid out on the claims? Are you saying that the insurance company now wants to recoup the settlement amounts from you? In total? Or just the deductible?
I’m in the US so I’m obviously not qualified to give you any advice on defending against a UK insurance claim (nor is that my intention). But generally speaking, the insurance company usually doesn’t try to recoup the claim payout against its own policyholder. That somewhat defeats the purpose of insurance.
But here in the UK insurance company recovers it from the policy holder if he or she is unfit of driving because of substance abuse.They say the policy holder has broken the law .Therefore any amount they paid to third party they have A right to recover from convicted driver.
Anyone here who knows we dispute that A convicted driver has no liability to pay back by law ?
More opinions are welcomed !
Guest
Join Date: Dec 2012
Posts: 7,097
It is normal insurance policy in the UK that if policyholder is convicted of drink driving as a result of an accident that
1. whilst the insurance company is liable and will pay the third party claim
2. they will not indemnify the policyholder as he broke the law so will seek to recoup the monies paid out arising from the accident from him.
1. whilst the insurance company is liable and will pay the third party claim
2. they will not indemnify the policyholder as he broke the law so will seek to recoup the monies paid out arising from the accident from him.
Member
Join Date: Aug 2019
Posts: 27
Very interesting, thanks for the 2 replies. That’s a big difference between UK and American law. In the US, the insurer will pay the third-party liability claim but will not then seek to recover the payout from the policyholder (the drunk driver). While the activity was illegal, the accident is still viewed as unintentional.
Anyway Paulsandy - hopefully you can get some legal help In the UK. Good luck!
Anyway Paulsandy - hopefully you can get some legal help In the UK. Good luck!
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