I had a accident going back a couple of weeks ago. I was driving past a lay-by when the 3rd party opened his rear right hand door into my car, took of my left hand wing mirror and dented my car. The insurance company have decided I am liable.
I am through Post Office insurance as 3rd party fire and theft, my under-writers are axa insurance, the 3rd party is also axa insurance and he has a jeep with less damage than me. My solicitors are also the 3rd parties solicitors, but since receiving a letter from them on the 20th October on behalf of the 3rd party, they are not answering my calls.
I want to be able to arm myself tomorrow when I phone my insurance company, because this was not my fault, his car door was not opened when I was passing. This happened in a carpark with very busy roads. I have asked for CCTV but the camera was not on us at that time, so it is my word against his, also I apparently admited fault at the scene, which I did not at all.
I want to know what the UK law states exactly on opening car doors into a road (I don't know if northern ireland is different from the mainland). Im Iin-titledd to a copy of the investigators report? Also is it wrong to have to parties claiming against each other in the same solicitors company and where do I stand on them not taking my phone calls?
Answer by Snarki Tiki
I would advise against arming yourself when going to see your insurance agent. They frown on armed conflicts.
Answer by Rob M
while I'm not in the UK, the law here, would be you are not at fault. However who's at fault according to the police report and who's at fault according to insurance regulations are 2 completely different things. First thing you do is call a lawyer.
Answer by AB McK
I would forget the whole firearm idea, is it really worth going to prison for a minor road accident?
..joking aside, can't believe you're getting blamed, but unfortunately it just confirms what I already think about Insurance companies. Maybe you need to change your solicitor, but ultimately if there was no-one hurt and no-one is putting in a personal injury claim, it might be better to just let the insurance companies do their dirty little deals and move on with your life.
Your premium might go up a little next year but you can shop around.
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Orignal From: I need to be armed when I phone my insurance company. please help.?
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