How exactly have folks managed to get Admiral to agree to a lower amount? I have 6 documents they've sent to explain the costs they are charging me, and zero experience in dealing with this sort of thing. Also a poor student so no legal for me lol
I just don't understand how folks have gotten from "we want £15k from you" to "we'll settle for £8k". Anyone want to look at these docs with me
I think you need to give us an idea of what the claim is made up of.
Did the third party use a claims management company or did Admiral deal with it directly?
Claims management companies take a cut and are more expensive.
Typically there's damage the third party property or vehicle.
Repair costs are often inflated when they go through an insurance claim and cheaper if you go to your local car repairer and pay them directly. Does the claim for repairs look inflated? You might have to ask a friendly car repairer or mechanic if it looks fair or not.
How long was the damaged car off the road awaiting repair?
Was the third party given a hire car under a credit hire agreement? They charge exorbitant fees. The car must be a like for like car for a reasonable amount of time . Not a new Merc to replace an old Mini, for example.
There may be personal injury claims. Some will be obvious and quite severe.
Others are bogus soft tissue injuries that get paid without question.
It's a case of judging if the figures look fair and if there is sufficient evidence to support the claim. Admiral typically don't invest any time and effort to validate the claims using their own engineers or medics.
In addition to challenging the costs in the claim you can also play the impoverished student card. If you persuade them you're skint for the foreseeable future then they might reduce the amount.
I challenged pretty much everything.
I found out the vehicle had been written off twice before. Car hire too long. Not equivalent model. Admiral offered pre-medical settlements for whiplash. No police report or evidence of number of passengers. Meaningless photos of damage. Breaking data privacy rules.
My son had no job and then went travelling in Aus and NZ.
They reduced the amount in stages from £23k to £9k and eventually timed out.