ANY UPDATE ON THIS CASE?
Hello Depressed dad! I hope you are well! Sorry to hear about all of these problems you have had. Have you had any joy since your last post?
I am in a very similar situation with my named driver.
When did it happen?
What have Admiral said?
How are you dealing with it, have you sought legal advice?
What makes up the £20k?
Have you asked for a breakdown of the costs?
Forgive me for not unloading all the latest news but I am reluctant to discuss my sons case in public at this point. Needless to say it has not concluded.
Whenever there is a lull in proceedings there always seems to be a random request for an update. I am sure Admiral read this.
I suggest you seek legal advice.
Were you aware of Admiral's Drink/Drug drive exclusion? If you took the policy out over the phone considering asking for a recording - if they can find it.
They will ask your named driver to sign an indemnity form to accept liability and let their super efficient claims team reduce the costs on your behalf.
Sounds like the claim has already been settled if the costs are known. Get a complete breakdown of the £20k claim. Do they look reasonable?
Depends on the nature of your named drivers accident. Have they smashed into another car and put all the occupants in hosptial?
Have Admiral actually employed any of their own experts to look at the damage or personal injury claim. Did they make a pre-medical offer to the PI claimants?
Was the accident serious enough to cause real injury, or was it an opportunity for the passengers to cash in?
Are there any witness statements, or police report?
I doubt Admiral have done anything other then their usual, least cost claims process and just pay up then ask the driver for the money.
Normally you don't care how much the claim is because the policy covers you. However, when you have to pay out of your own pocket you would like to think there is a lot more diligence and corroboration of the claim.
I am in a similar situation to a few of you here. I was in a collision with another vehicle last year whilst under the influence of alcohol and was subsequently convicted of drink driving.
My insurance provider was Admiral. They contacted me a few month ago suggesting that I sign their indemnity form and that they would be reclaiming all third party costs back from me. I didn't sign the form. Last month they contacted me stating that they had made third party payment for £11,000 and that if I don't settle within 28 days they will commence legal proceedings.
Has anyone went to court with this yet or had any sort of positive outcome?
Depressed Dad - thank you for all the information/advice you have provided so far in this thread. If you don't mind me asking, has there been updates with your son's situation in the past few months? I'm desperate.
I am in a similar position to many of you. I as of yet do not know how much the 3rd party claims will be settled at but I offcourse do know I will have to pay for my own vehicle.
I was sent an indemnity form and did not sign it. A few weeks later I was informed by my insurance that they will have to settle any 3rd party claims but they did not state whether they will seek to be reimbursed by myself once the claims had been settled. I imagine they will!
If it's set in stone that I am legally obliged to pay them back then why would they try to get me to sign a document in which I agree to indemnify them of all costs? They also mentioned if they didn't deal with the 3rd party claims that I would face CCJ's against me directly...acting asif they don't legally have to deal with the claims and therefore blackmailing me into thinking if I didn't sign the form then people would come after me personally for their money.
Originally when they tried to get me to sign the indemnity form they quoted
'We will not pay more than our legal liability under the relevant traffic legisltion for any claim if the driver insured by us was DUI at the time'
From what I can read in the terms and conditions, where have I actually agreed to compensate the insurance company in such a scenario?
I'm interested to know if anybody has actually gone all the way to court with this. The sums that the 3rd party claims will accumulate to are substantial enough to cripple me. I have a decent job but I'm not prepared to work for 20 years and have to give most of my money to them. I would effectively be a slave to them and would be better of claiming benefits at which point they would never see thier money. Also what if I file for bankruptcy? ...if I were ordered to pay all this money back that's potentially what this would come to as I cannot pay and have no assets. They would never see thier money then either!
I don't want to say as I fear they may check this forum. I would tell you in a PM but not sure how to do this. It is not admiral or an affiliated company but is one of the cheaper companies available.
You seem to know a lot about this, it would be great if I could speke to you about it. Are you still fighting it or has it been settled now? I know exactly how you feel and can only sympathise
Thanks I will be seeking legal advice and I am going to the CAB tomorrow. I appreciate your reply.
Under general exclusions it states:
'We will not pay more than our legal liability under the relevant road traffic legislation for any claim, if the driver of your car insured by us was found to have been driving whilst under the influence of alcohol or drugs at the time of the accident'