Motor insurance issues - third party company have invalidated their clients insurnce - What happens now?

Question

I have is third party fire and theft. On 28th feb 2008, i was involved in a car accident, i was hit on the rear end of my vehicle. both vehicles were written off. The police were present at the scene of the accident and took all details. i was injured due to the accident and had to be stretchered straight to the hospital, i have suffered imensly due to this accident and had a severe case of whiplash and i am currently on a course of diazapam, painkillers along with hydrothrepy. on 2nd march i was informed by my insurance company that the 3rd party has claimed liability and that their was valid insurance cover. 4 months later on july10th i have been told that their are indemnity issues and that their client insurance is invalid. what happens now? i feel that i have been mis lead. my courtesy car has also been taken with out any notification. it was taken from outside my house along with all my possesions which have been boxed and sent back. do i get compensated for my losses and injury

Answer 1

You need to speak to your own insurer to find out if your policy comes with legal protection cover included. Most policies do as standard.

If it does, your insurer should tell you their recommended solicitor. You should then contact that solicitor and tell them what has happened. It wont cost you anything as it will be paid for under the legal protection cover.

You are entitled to either a hire car or travel expenses while your car is off the road, and also compensation for your injuries, and the cost of any repairs to your car. As the other driver is uninsured, the solicitor will take the driver to court, where he will have to prove his earnings and outgoings, and if the court feel he can pay what he owes you, they will force him to do so. If he cannot afford to pay, you may get some money from the Motor Insurer's Beaureax.

It is a long drawn out process, but you should not be out of pocket due to someone else's negligence, and the other driver should not have been on the road if he was uninsured, so go for it, and make sure he pays his way.