AA settlement claim 4 years later

sexmag

Hi,

Can anyone advise on this.

4 years ago in 2014 my Mrs was involved in a knock,slow moving traffic and she banged into the car in front. No issues,no injuries,insurance swapped with the guards and everyone went on the their way. She was noticed by her insurer they were paying out due to her liability etc. No problem she accepted fault and the amount was about 3k,seemed extreme at the time as there wasn't a scratch on either car and the one she had hit had no NCT to which the guards had discussed and issued her with a fine or points(can't fully remember as it wasnt anything to do with us).

We had since sold the car and were off the road for a year or 2,bought a car back in 2017 and have had a new insurer etc and got onto the AA to get proof of no claims( she had no claims protection at the time and this was her only inccident)

We have today received a letter from them referring to the incident saying
"they have settled the 3rd party claims and their outlay is €42k. They are filing papers and this settlement may affect future do tracts of this type, any changes will be notified 6 weeks prior to her next renewal"

We are not with the AA and haven't been since 2015.

Why are we receiving this letter?

Thanks

Eggs For Dinner

Under the Consumer Protection Code, Insurers are obliged to inform you if a claim has been made against you, when liability is decided, when a payment is made and when a claim is settled.

Among other things, it is to assist you with any information you need to disclose when seeking insurance in the future

sexmag

Eggs For Dinner wrote: »

Under the Consumer Protection Code, Insurers are obliged to inform you if a claim has been made against you, when liability is decided, when a payment is made and when a claim is settled.

Among other things, it is to assist you with any information you need to disclose when seeking insurance in the future

Thanks for you reply.

Can you advise why at the end of the policy they told us the pay out was 3k and now years later we get a letter saying 42k? The claim was supposed to have been settled back then so we are quite confused

Eggs For Dinner

They should have told you that the 3k was an interim payment for the 3rd party's material damage and that they were still dealing with the personal injury, which obviously takes longer. This letter confirms that the claim, in total, is now finalised. Do you still have the old correspondence?

sexmag

Eggs For Dinner wrote: »

They should have told you that the 3k was an interim payment for the 3rd party's material damage and that they were still dealing with the personal injury, which obviously takes longer. This letter confirms that the claim, in total, is now finalised. Do you still have the old correspondence?

No we don't unfortunately but you've cleared it up I think.

Strange that 42k in total paid out for a knock in slow moving traffic.

Thanks for you help

Fol20

sexmag wrote: »

No we don't unfortunately but you've cleared it up I think.

Strange that 42k in total paid out for a knock in slow moving traffic.

Thanks for you help

Could you not ask talk to the insurance company and wxplain to them what happened. If its bumper traffic. 42k sounds extremely excessive

Eggs For Dinner

sexmag wrote: »

No we don't unfortunately but you've cleared it up I think.

Strange that 42k in total paid out for a knock in slow moving traffic.

Thanks for you help

Your insurers have obviously spent 4 years fighting this thing. When liability is not an issue (rear end), the battle is to keep the payout down. The Injuries Board likely made an assessment, which the claimant appears to have turned down, believing they would get more in court. Faced with the claimants expensive consultants report, they made a settlement rather than go to court