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Can anyone recommend car insurers for a 19yr old female?

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6mths ago I posted on here regarding an accident my sister had where a taxi driver braked for no reason causing my sister to hit him. He didn't go through his insurance but straight to a no win no fee…
louiseb84 Avatar
6y, 5m agoPosted 6 years, 5 months ago
6mths ago I posted on here regarding an accident my sister had where a taxi driver braked for no reason causing my sister to hit him. He didn't go through his insurance but straight to a no win no fee company. Claimed for damage to his car that wasn't there. He claimed it was a total loss & that he was suffering with injuries. He's still to this day using the taxi in the same condition & didn't report the incident to his taxi firm or the town's licensing dept.
From advice given on here my sister went to her insurers and still now they are investigating him. No money has been paid by way of a settlement.
She has just had her insurance renewal through and it has more than doubled.
Firstly, can they increase the premium when the claim is still ongoing? And is she tied to staying with the same insurer? If not can anybody recommend an insurance company?
She's been driving for a year.
Thanks
louiseb84 Avatar
6y, 5m agoPosted 6 years, 5 months ago
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[mod]#1
Yes the can raise the premium as regardless of the outcome she is now a higher risk. She is free to leave the insurer now her year is up and the best thing she can do is get loads of quotes from different places although with a pending claim it is going to be enormous everywhere.
#2
Thanks both, I thought that's be the case. Everywhere has quoted around £3000.
Any idea from experience how long the claim could take?
#3
hang on yes the taxi driver braked ok , but if she was the correct distance behind hin she could brake and no hit him , its the rules of the road what you learn when your a learner , if it goes to court she hasnt got a leg to stand on , am sorry
#4
yozzman1234
hang on yes the taxi driver braked ok , but if she was the correct distance behind hin she could brake and no hit him , its the rules of the road what you learn when your a learner , if it goes to court she hasnt got a leg to stand on , am sorry
Yes clearly I know that. But it is known that many driver's brake for no reason in order to cause an accident. He was clearly doing it for a quick settlement hence not reporting it to his insurance & going straight down the comp route, and having been 'injured' he would've taken time off work etc etc. Wouldn't have got an engineers report stating his car was unroadworthy (from a non existent garage) yet still use it for work


Edited By: louiseb84 on Oct 12, 2010 22:01: ...
#5
how can he claim with out telling his insurance what happened ???? the first thing your sisters insurance company would of done is contacted his to make sure he was insured , he has nothing to loose by telling his insurance ,because the accident was 100% your sisters fault even though he brake , and the no win no fee company would want to no his insurance co and your sisters
#6
His insurance company, taxi firm, licensing dept were not informed by HIM. He went straight to a no win no fee company who then contacted my sister claiming for compensation and damage for his car. There was no damage, there was no injury. No insurance companies where involved until she contacted them as they (No win no fee) were demanding money from her. They did not want her insurance details they wanted her to settle ASAP herself. She contacted her insurance who are dealing with the matter & taking it seriously.
I'm not debating over blame/fault. The insurance company & others are dealing with that


Edited By: louiseb84 on Oct 12, 2010 22:00: ...
#7
its a funny sittuation , because a no win no fee company would never normally get in touch with your sister demanding money or asking for money . infact they would not contact her so there s something really fishy going on there ,there s a guy i no the brakes all the time like that get s about 3 claims a year because of the law and the breaking distance the drive behind is allways to blame he makes about 8 grand a year. even though he s had over 9 bumps he would never get investigated because its never his fault because of the law ,its wrong
#8
yozzman1234
its a funny sittuation , because a no win no fee company would never normally get in touch with your sister demanding money or asking for money . infact they would not contact her so there s something really fishy going on there ,there s a guy i no the brakes all the time like that get s about 3 claims a year because of the law and the breaking distance the drive behind is allways to blame he makes about 8 grand a year. even though he s had over 9 bumps he would never get investigated because its never his fault because of the law ,its wrong
It is wrong and there is something dodgy because that is exactly what happened. I am 100% certain he was taxi-ing the next day & every other day since. His company have a contract with a parent at my son's school so he's often there of a morning. As I said in my original thread 6mth ago, my OH was told by a taxi driver that it's a common thing & he had 2 claims going at once.
It's the fact he didn't contact his insurance (as you say he had no reason not to) & that the engineer report came from a garage that doesn't exist. Oh also he apparently had a hire car which she was expected to pay for, except he didn't have a hire car. And she has had no correspondence from anybody but her own insurance company (after the initial No win no fee letters) who haven't mentioned his insurers once. It all sounds a bit iffy.



Edited By: louiseb84 on Oct 12, 2010 22:02: ...
#9
Loving the spelling on this thread....
#10
virus
Loving the spelling on this thread....
I apologise. I do hope this is now to your satisfaction.

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