What rights do I have against my car insurance company??

Question

ok, well some1 crashed in2 my car 2 weeks ago & I filed a police report, made a claim with the insurance co. (I have fully comprehensive insurance & am not at fault) & gave them the other drivers name, Ph. & rego number.. then insurance called me & asked 2 get the other driver address.. so I called him & he gave me his work address (he didn't tell me this at the time) so I passed that on2 insurance.. meanwhile he kept asking me if he could get 1 of his mates to look at my car that works in a panel shop & get him to look at it without going through ins.. I told him I'd think about it & he said he'd call me the next day.. he never called.. so I processed the claim, got my car assessed & have it booked in next week at a shop within walking distance of my house 2 get fixed... well now my insurance co. has called saying that the other party is being unco-operative & not supplying his real address so according 2 them I have 2 call the other driver & get his home address or I have to pay an

excess of $700 to get my car fixed.. I told insurance that I don't want to have to call the other driver and speak to him again.. Isn't that there job?? and that I want the car fixed at the place it is already booked at as it is a registered panel beater not some dodgy back yard job (that is ages away mind you) why should I have to pay the excess when I am not at fault.. if the other party has atleast supplied thier work address can't they go from there...??? I am waiting for them to call me back and was wondering what my rights are before I speak to the insurancve company again.. and I tell you what when I come up for renewal I will be changing insurance company's... these guys are meant to be the best too????

Answer 1

If the police were at the scene and took the information, the other driver is guilty of a crime if he submitted false information! Call the police and make a complaint! They will sort out the details and get you the correct information and charge the other driver accordingly!
PS: Your insurance company should be doing this for you! They are the one's always wining about "insurance fraud"! You may have to remind them it's their job! They also have the other drivers "drivers license" information and can file a complaint also if the driver failed to correct an address change!
Lot's of police work here to be done! You may also want to climb the chain of command at the insurance carrier until you get someone with half a brain!

Answer 2

I can only give you advice about how it's done here in the States -- sounds like you have an idiot for a claims adjuster. Securing information is HIS job, not yours. The other driver may not be playing ball so you will have to have your vehicle damages handled under your own insurance. They will (or should) in turn subrogate, (or bill) the other company for the full cost of repairs and reinburse your deductible (if any). Stupid knows no boundries and I suspect that is the main problem you are facing with the insurance company. You DO have every right to have your claim explained in a fashion that you can understand -- even if this means you need a manager to do it.

Answer 3

well, it is your onus to supply the necessary information to your insurance company if you want to make a claim. The rationale behind this is because you are the one involved with the third party and not the insurance company. In fact, you should have 'sighted' the other driver's driving licence if you were sure that you were not at fault instead of just 'listening' to him as people will surely lied to get away and without anyone have any means of finding him again.

Answer 4

If your insurance company has his information, and by that I mean the copy of the police report with the VIN and license number of the car, they can get the address he has on file, which is what they should be doing. It is not your job to do their work for them, they should be contacting the party at fault to get you reimbursed for your loss. It sounds to me like perhaps they don't have insurance at all, in which case your insurance will pay, less your deductible if you have full coverage. If they don't have coverage that may be your only option, but in that case your insurance will be attempting to collect their money from them, and hopefully will get you back your deductible also.

Answer 5

This is nonsense.
1st of all, the guys address is going to be on the police report. Second of all, this doesn't really matter. What matters is whether the guy has insurance or not...if he doesn't then they're gonna want to seek reimbursement from him direct (which is the only reason they want his address).
But your insurance can just as easily pick up the phone and call the guy & ask for it themselves....his home address has nothing to do with whether or not they pay your claim.

Answer 6

No it really is a variety of fraud coverage is to positioned the single which has lost something again into the region so some distance as a threat that he change into in previously the loss. you do not and legally can no longer income. What might want to take position is that if both claims were possibility free both coverage organizations might want to pay out in share depending upon the rules. no matter if it really is planned you are able to finally end up in the front of the beak and also you'll discover it confusing to get coverage interior the futur. If he tries it and receives stuck i wish they throw the e book at him

Answer 7

really all you have to supply them with is a copy of the police report,and what information that was gathered at the time of the accident,its up to them to gather the rest of it,there just giving you the run around on this one,you don't have to do the job for them ,that supposed to be there part they they take care of,so don't let them bluff you ,they will pay for the damages ,its just the way some of them operate,good luck with this,i hope this help,s.