GF's Insurance problem

[Villers]

Yo,

GF is fully comp on her car insurance and the other night while she was in bed some old geezer reversed into her car. Two people saw this happen, the old guy admitted it and has gave over his details etc.

She is with the AA so she rang them to try and get it sorted out. Heres where the trouble started. They want her to pay the excess on HER policy for them to persue it. Whilst this is on the go they will also suspend her no claims. The alternative they gave is to go through a company called 'Hellfire' who will sort it all out.

Has anyone else ever heard of anything so ludicrous, she has a clean cut case yet the effing AA want her to pay her excess before they will make a phone call to this old gits insurance for a payout? Im perplexed.
____________________
RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille ≥ Sv1000s somehow
'You came on your own, thats how you'll leave'

[WR450_geezer]

AA = Absolute Arseholes.

wr
____________________
Siggi, ''Fack, having Daz around is like living next door to PC-World, with a hole in the wall.''

[anders]

You guys made the mistake.

You should have got him to ring his insurance company and file and admittance and basically give your details and admit fault, they call you, you tell them: "we don't want to go though out insurance" they say "ok" and arrange for a garage to take your car and repair it WITHOUT touching yours.

No this may lead to future problems with your insurance as they will think you have had a crash even though it was no faults.
____________________
Call me Mr. Blobby

[Ste]

[syl]

Take the car to a main dealer to get it fixed.

It's commonplace to have to pay the excess, which will then be refunded when liability has been worked out. By the time it is fixed, the insurance companies will often have already worked it out so you may not have to pay it at all.

Make sure you get a decent hire car whilst the car is being fixed. Try Helphire.
____________________
Current bike: Kawasaki Z750S

[Mal]

This is typical process for all insurance companies. Unless the liability is decided before the repairs are complete, you'll have to pay the excess when the car repairs have been completed and then claim them back from the other drivers insurance company. Nothing will happen to her NCB at the moment, but if the claim is still in dispute at her renewal, she'll lose 2 years of her current total (unless she has less than 2 in which case she'll drop back to 0) until the dispute is settled. If it's then settled in her favour she will get her 2 years (or however many it was) back, then her additional one for this years cover.

[JodieWodie]

It's a con, I know

When my bike was hit by a car I had to pay £250 excess straight away, and then his ins company paid me it back at a later stage

I didn't lose my NCB at all
Not my fault

As it wasn't her fault, I would say she will keep hers too
____________________
Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[owdamer]

I had to pay the excess when some retard employed by B&Q cracked my bumper with a trolley. I also lost my ncb until the matter was finally settled so my insurance went up when I renewed it. I did get the money back, but it took over 12 months from the accident happening to it all being finalised.
B&Q had originally said they would pay for the repairs if I gave them 3 quotes, but then they started being awkward & refusing to speak to us so I ended up passing it over to my insurance company. I think the final bill came to about £1300.
Damage to my car (a 99 mondy estate) was a 2 inch long crack in the front bumper!!!
I had got quotes between £500 & £700 from some local garages, but they were main dealers and included a hire car.