3. Messages

Show Posts

This section allows you to view all posts made by this member. Note that you can only see posts made in areas you currently have access to.

Messages - AliBen800

Pages: [1]
1
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: April 01, 2026, 05:24:11 pm »
So I've just got off the phone with them for the final time. I call almost every week for an update and all they say is its still with their liability team which is just bonkers at this point as it has been over 3 months now and I just can't keep being messed around like this to be honest.

Could anyone assist me in writing up a simple and direct, to the point, final demand letter of some kind, as it appears I will be escalating this to an accident management company, but just hoping a legal letter before action might jolt them enough to resolve this on much more quickly.

Many thanks, and happy Easter to all!

2
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: March 04, 2026, 05:09:55 pm »
Quote from: peodude on March 04, 2026, 04:38:54 pm
Quote from: AliBen800 on March 04, 2026, 04:08:15 pm
Quote from: peodude on March 04, 2026, 04:01:33 pm
Do you have legal expenses cover on any other insurance? On your home insurance etc. They may be able to help you proceed.

Sadly not, I don't own a home, no never needed these kind of things. I did check with my bank etc back when it happened but, nope.

Have you renewed your car insurance since the accident? You may have legal cover on that.

It's been off the road since, sadly.

3
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: March 04, 2026, 04:08:15 pm »
Quote from: peodude on March 04, 2026, 04:01:33 pm
Do you have legal expenses cover on any other insurance? On your home insurance etc. They may be able to help you proceed.

Sadly not, I don't own a home, no never needed these kind of things. I did check with my bank etc back when it happened but, nope.

Could you assist me in writing a final demand letter to them before approaching an accident management company? I'd rather not have to deal with them as I've heard equally good and bad things so would rather deal with the insurance firm to save hassle.

Thanks!

4
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: March 04, 2026, 01:23:06 pm »
Anyone?

I would love to be able to deal with them directly but I don't think I've been stern enough. :)

All the advice I can get is appreciated.

Many thanks!

5
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: March 03, 2026, 05:39:56 pm »
Quote from: andy_foster on January 11, 2026, 10:53:59 pm
...

Hi there Andy,

Just wanted some further advice with this moving forward, as I've come to a dead end with the insurance company I think. I am simply not reciving any satisfactory communication from them and it has been over 2 months since the accident.

First of all, I contacted them in January just to make sure I have the right details for them. They confirmed the accident and that their clients where disputing liability. They asked me to send them my RTA. I typed up and mapped out an RTA and sent it over to them. It was all very professional. I called them to confirm they received it for which they did.

I then waited... A few weeks went by and I reached out again and they said that they have received my communication but are currently in the middle of upgrading their internal systems and there is a delay in processing claims and someone will get back to me.

I waited another 2 weeks and reached out again (early February) and was told that they simply have not had any time to get around to following up on this as they are very busy. I was a little surprised by this but chalked it up to procedure.

Well, its now early March and I still haven't heard anything back from them. At some point I'm suspecting they are just stringing this along. My vehicle has been dormant for months now and it is causing me a serious headache asking for people to drop me off places (buses around my area are not easily accessible)

Would it be appropriate at this point to approach an accident management company to take over for me as they are clearly not taking me seriously by myself.

What would you recommend the steps moving forward for me would be?

Many thanks!

6
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: January 11, 2026, 11:12:36 pm »
Quote from: andy_foster on January 11, 2026, 10:53:59 pm
Quote from: AliBen800 on January 11, 2026, 10:43:26 pm
Many thanks Andy, that's been great help. It's helped me understand things more clearly.

Your questions bellow suggest otherwise.

Thanks for the reply.

Sorry I should have been clearer, I mean if they decide to not want to entertain me, I should just proceed to tell them I will send a LBA or instruct a AMC?

A good point you have just reminded me is to back up the videos I have on my phone to my laptop just in case. I will try to call the witness tommorow and see if they will be able to provide me a written account of things before calling them just to have that in my corner too.

I will keep this thread posted with updates!

Many thanks!

7
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: January 11, 2026, 10:43:26 pm »
Quote from: andy_foster on January 11, 2026, 08:09:37 am
...

Many thanks Andy, that's been great help. It's helped me understand things more clearly.

So during the conversation with the insurance company, I will eventually have to either tell them I will be filling a Letter Before Action or instructing an accident management company on my behalf? Would that be the correct stance?

Judging by the accident damage I have described, would you at any point put any blame on me (as an insurer?) Would the damage sustained on both vehicles make it obvious who was at fault? It looks cut and dry error on their part but I'm just wondering what attempts they will make to shift blame.

(Their left front bumper wrapping around to the license plate, alloy wheel pushed in, and passenger door smashed in -- For me, right side damaged on both right doors, plus single lane exit.)

Many thanks!

8
The Flame Pit / Re: Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: January 10, 2026, 10:42:37 pm »
Quote from: andy_foster on January 10, 2026, 04:46:32 pm
Obvious first question is whether there is any dispute regarding liability.

What happened?
Are there any witnesses?
Did the other party admit liability?

In my experience, when someone seeking advice leaves out large chunks of the story, filling in the gaps often puts a very different perspective on it...

Hi sorry about any details missing.

They attempted to blame me, and divert my attention by shouting and yelling, I ignored it and starting filming as I got out of my car and they changed their story 3 separate times on the side of the road (all on video)

Just a quick recap of events. I am in (the correct) lane 1 of a 3 lane roundabout taking a single lane exit, they are in lane 2 just a bit behind me, then suddenly change lanes and crash into me whilst attempting to take the same exit. The damage on my vehicle is from the middle of the drivers door all the way to rear door. Their vehicle sustained damage on the left bumper all the way to the left passenger door and their left alloy wheel was pushed into the engine bay. At this stage we are both 20 meters in the exit lane on the side of the road.

One of their changed 'stories' includes apparently attempting to exit at the PREVIOUS exit and that I had whipped around on the outer lane and that the accident actually unfolded at the previous exit which leads into a dual carriage way (but some how we ended up in the single lane exit where I was at) --- I have a suspicion they where drunk but when the police were called for assistance they said as long as there were no injuries that require an ambulance, they will not be attending.

I have the number of a witness who was stationary up the road who saw what happened. In fact he even pointed out that there was at least 3 other near misses right there as people suddenly change lanes to take the exit (so it appears to be a common problem exit.)

They also attempted to leave in a hurry after getting out saying they where late to their destination. Crazy because the left side wheel was completely blown into the engine bay and jammed so they couldn't if they wanted to.

9
The Flame Pit / Another vehicle collided into me, turns out my insurance had expired, how to proceed?
« on: January 10, 2026, 04:06:19 pm »
Hey there,

Not sure how to begin here. Driving for almost 20 years no issues no points no accidents etc.

A vehicle collided into me, causing significant damage to my vehicle, possible write off (all cosmetic but that’s just insurance for you)

I found out quickly afterwards that my insurance had expired a few days prior and the new policy I had taken out with another provider started the following day (my error)

As I have no policy in place, how do I go about dealing with the other parties insurance company? I have never been in an accident before so I have no idea how to deal with this issue as I have never dealt with insurance companies before.

Should I reach out to them as the registered keeper/owner of the vehicle or as the driver of the vehicle? What would be my best course of action to minimize my exposure as much as possible? I have a suspicion they will attempt to take full advantage of me knowing I have no legal body fighting in my corner.

All the advice I can get is appreciated, many thanks!

Pages: [1]