Car insurance liability question.?

Question

You are the registered owner of 2 vehicles, one new, one 5 years old. The new one is fully comprehensive insurance cover and the older vehicle is only third party fire and theft insurance cover.

If both vehicles are involved in an accident with each other, ie. one drives into the back of the other, when a named driver is in the old vehicle, but the fault of the accident is the new vehicle which is fully comp, does the insurance liability legally fall to the insurance of the fully comp vehicle.

Bizarre story I know, but this is whats happened to me and the insurance company for the fully comp vehicle are saying they will not pay out for the damages to the other vehicle because I own it !!!

Is that correct or should I go to the insurance ombudsman.

Answer 1

They possibly suspect fraud.

You could try the ombudsman but I doubt you will be successful. It's unlikely that they have acted incorrectly.

Answer 2

I think if you read the"small" print you can not claim against yourself.

Answer 3

I disagree with the others postings.  I believe that you are covered.  Contact your state Insurance commissioners office

Answer 4

You must read the "small print" in your policy

Answer 5

This has all the makings of a fraudulant claim so yes do that