Hello all,

This is not Yeti specific, well in fact not Skoda specific, as the car in question is a Mondeo.

I have a question regarding insurance claim, which I am not familiar with. My brother was involved in an accident with a truck last night. They truck driver stopped and admitted fault, he gave my brother all his details (name, telephone number and company name) but no insurance details. My brother's car only suffered consmetic damage (cracked bumper and dented front wing), as per normal, he reported to the police the incident and gave all the details to them this morning. I advised him to inform Admiral (his insurance company) as a matter of information, he distinctive that this is for information only and he is not making a claim as he should be able to sort it out personally with the company on Monday. Admiral immediately diverted him to Albany Accident Management and they were very keen to provide him with a car and I told him to decline the offer, as his own car is driveable and is mechanically fine (hire car should only be provided if the car is written off or stolen, according to Admiral's website).

He has since reiterated to Admiral that the call is merely for information and is not for claim (yet anyway). My brother would attempt to sort it out with the Truck's company on Monday, and if all the details he was given were false then the police would have his case number and he could then contact Admiral for a formal claim.

Admiral told my brother that he would need to go to the approved repairer and pay upfront as his excess is quite high (£1250) and Albany would attempt to claim the cost of repair from the Truck's company. What I am confused is, surely if the truck is at fault and the truck's company/insurance pay out, then why would my brother need to go into his excess when the accident was not his fault? Is Admiral and Albany trying to make things as complicated and tangled up as possible?

So far, he contacted the police, filed an accident report and informed Admiral, what else should he do?

Thanks!

They are not making it complicated at all, you would normally simply do everything through your own insurance company who may employ third parties to process the details and deal with the other parties insurers on your behalf. Why go through the hassle yourself of dealing with the third party when you pay your insurers (fully comp) to do it for you. In the past when I had a no fault incident my own insurance company did everything and arranged for my car to be fixed, and recovered the costs from the third party.

They are not making it complicated at all, you would normally simply do everything through your own insurance company who may employ third parties to process the details and deal with the other parties insurers on your behalf. Why go through the hassle yourself of dealing with the third party when you pay your insurers (fully comp) to do it for you. In the past when I had a no fault incident my own insurance company did everything and arranged for my car to be fixed, and recovered the costs from the third party.

Ok, thanks, my main concern is that:

1) if it turns out the other party's detail is hoax then my brother would be liable for the repair, given his high excess

2) since the car is not worth a lot, it seems uneconomical to pay £600 getting it fixed if my brother has to pay for it

3) they wanted to use Albany and Albany insist on giving my brother a car in the mean time and those are credit-hire, which means if it turns out the other party is uninsured or given hoax details then my brother would be left with a hefty bill.

if you have the reg number, then thats all thats important as the insurer can find out all the policy details from that.

if you have the reg number, then thats all thats important as the insurer can find out all the policy details from that.

Brilliant, thanks for your help!