I had a call from a gentleman from LV on Friday morning. They had seen my blog post and had been looking into my claim file.
He was a very nice man (he even apologised for having to have to ask me a few security questions first), but significantly he treated me as a person in my own right, rather than the marriage chattel of the account holder. First, he gave me a run down on how the cost in making insurance claims has to be balanced with trying to stop insurance premiums from rocketing. I told him I was well aware of this already. I’ve been writing articles for Sainsbury’s Finance related to car insurance. Premiums are on the rise due to the rising number of fraudulent claims and scammers.
It was simply a case that I wasn’t one of these and resented being treated as if I was.
He then explained, having looked into my file, that perhaps the outcome could have been different if he personally had dealt with my case.
The crux of the matter is:
1. It is in the interest of any insurance company to wriggle out of any payout as much as they can. That’s to say that the other party’s insurance company would have pushed for a 50/50 liability not wanting to cough up the whole amount if their client’s liability couldn’t be proved.
2. My evidence couldn’t be called as absolute proof however it might have won me my case if I’d decided to take in to court. Then again, it might not and no body wanted to risk loosing considering the extra cost that it would have incurred if they had lost.
3. On the scale of insurance claims, mine was a piddly amount not worth fighting about and if every piddly amount ended up being costly to settle we’ll all have much larger car insurance premiums next year.
4. However, had my insurance company threatened to pursue the matter with the other insurance company to court (basically call their bluff), they would have relented to full liability. They had no substantive evidence, other than the callow youth’s word saying he wasn’t at fault.
The end of the ‘Liars and Injustice’ saga is that now I’m delighted to say that LV have promised to refund the other half of the excess charge I’d paid, reimburse me (sorry, I mean the account holder) for the lack of a courtesy car during the 12 days of repair and put on my record that it was a ‘no fault’ claim.
Big smiles all round.