I had a car accident ?

Question

I had a car accident yesterday on the way to work where someone revsered into me and completly ripped off my front bumper but is now blaming me for the accident which was def her fault the insurance are now telling me that because my insurance is domestic and pleaure i am not covered for travelling to and from work which I didnt no, I am going to have to lye even tho my partner told them I was on my way to work I am going to have to say I was going somewhere else, Has anyone else had anything like this or does anyone know how I can get out of it ? Please help

Answer 1

Report the claim to your insurance company.

1)Do NOT lie, as not only will you possibly have the claim denied for misrepresentation, you may lose your policy and have that on your insurance record when you try to get a new policy.

2)Your insurance company must get your statement/account of the accident and investigate coverage and liability. This would be required for them to do in "good faith" to make sure that the decisions made are valid. Your policy either covers you for this use or it doesn't. There is no answer always correct, every situation will be mapped to the policy you bought and coverage either accepted or excluded.

3)a police report usually helps make a liability decision, unless there were any independent witnesses who saw the accident. If no witnesses and no police report then it is just your word against the other driver. Looking at the damage to both vehicles may help a very minor amount but there are 10 different ways the same type of damage could happen.

If the insurance company does deny coverage, they must put their reasons in a letter indicating the policy language that excludes the claim. Sometimes we make mistakes and if you disagree with the findings, feel free to call the claims manager to make sure the explanation and decision is correct.

Answer 2

Unfortunatley, it will already be on record that your partner said that you were on your way to work.

Insurance comapnies will do their best to ensure they dont pay out.

Also bear in mind that you have been driving on the road everyday and have not been covered by insurance. They could prosecute if you try it on with them.

They whole thing is much bigger than a little white lie now. The other driver is trying to claim you were at fault. If your insurance comapny refuse to look at the claim if they deem you werent insured at the time. The other party can take you to court and sue for damages

Answer 3

You don't have to agree with the adjuster, fight it. Write a letter to them and tell them it is bullshit. It doesn't matter where you were going, the issue is that who is at fault. Don't agree to the adjuster because most of them don't know and they are lazy. Fight till you die if you know it's not you're fault. Take it to court, your insurance will pay for the fee.

Answer 4

I am perplexed too, i hope this will help a little
;
The use of car for *domestic and pleasure purposes *
includes, going to and from work , ( this is normal domestic use )

Unless it is specifically excluded .

It does not include use of your vehicle,
for the actual work ( eg; transportation of goods) or people for gain . or Taxi work .
this requires a seperate premium

>^,,^<

The Hoot guide to car insurance policy jargon, will help you make sense of it all!!

Confused by car insurance policy jargon?
Trying to work out what ‘excess’, ‘comprehensive insurance’ and ‘business use’ actually mean?

1. Car insurance policy cover type

Third party only (TPO)
The most basic level of car insurance, most policies cover you for damage to another person’s property and your liability for death or bodily injury to another person (known as a third party). This includes passengers in your car. See Levels of car insurance cover for more information…

Third party fire and theft (TPFT)
Most policies cover you for everything described in the TPO cover above, plus the risk of a fire or theft of your car (check policy documents to be certain of exact cover provided).


3. Social, Domestic and Pleasure use (SD&P)
Including commuting
This means you’re insured to use your car for social, domestic and pleasure use and includes the use to and from one place of work (but not for use in relation to your work or for commercial gain).

Excluding commuting
This means you’re insured to use your car for s ocial, domestic and pleasure purposes only. But means you’re not insured to use your car to get to and from work.

I hate Insurance companies, with a terrible hate !!! :(

Answer 5

just lie. its the only way u will get any money. but if ur insurance company find the other driver at fault then u can claim or him. but unless the police are there i think its hard to do. just say u wer going to shops it was ur day off and ur partner is mistaken. can u get bus or train to work cos u cud say u were nippn to shop then coming back then going to work. as long as u put tht on the form they give u it doesnt matter wot ur partner has told them.

Answer 6

Dont lie to the insurance company, you could really end up in the manure!

Answer 7

If i'm information this suitable it seems that such as you have been pulling out of a motor vehicle park to instruct left onto a highway. The highway is 4 lanes on the two aspects. the two lanes of site visitors closest to you, heading the alternative way of ways you have been turning stopped to allow you pull out in front of them to instruct. the female that hit you replaced into traveling interior the third lane over (out of the 4 lanes which you have been crossing in front of to instruct)? if that's the case than you're at fault. the female that hit you had the ultimate of way. even although the two lanes of site visitors have been waving you on, you nevertheless did not have the ultimate of way. that is not substantial that her brakes have been going out. I easily have labored as an insurance agent for the previous 9.5 years & I easily have seen quite a few injuries very reminiscent of this one. In all of them, the guy who replaced into pulling out in front of site visitors to instruct left replaced into deemed at fault. wish this facilitates.