It's a bit long I know lol...........
I was hit by some idiot pulling out from a sideroad without looking in September of last year.
Insurance repaired my car at a cost of £3000 and I paid my excess.
I suffered some (genuine) whiplash and a personal injury claim was being dealt with by my insurers (axa) who referred the claim to co-operative legal services. Medical reports etc were done and I let them know when I had fully recovered etc.
Fault was found to lie with the third party and I got my excess back last month.
Now the thing is when taking the matter to court here is what they claimed in full and final settlement:
£3000 for the repair of the vehicle
£350 uninsured loss(excess)
£400 solicitors/court fees etc
Total judgement granted of around £3650
Co-operative legal services have written to me to say:
"This judgment has finalised your entire claim and we are unable now to make a recovery from the third party insurers regarding your injury.
Our advice to you is to contact your insurers and tell them they have prejudiced the claim"
I have spoken to the insurance and they put me through to their solicitors who said they are not quite sure of what action can be taken but no further payments will be made by the third party insurer as the judgement was for full and final settlement.
After trying to fob me off they say they will call me back on Tuesday after making some calls and looking into the file.
Anyone know what sort of outcome I can expect or what action I should take now? They basically tried to say I won't get an injury claim and there's nothing further they can do.