I have a question which I would be interested to know if anybody has any experience of.
I have heard an advert on the radio whilst driving my car to and from work lately which goes along the lines of this.
" If you have an accident call (name of solicitor/legal firm) before you call your insurance company, and you won't lose your no claims discount" "We will deal with your insurance company for you and settle your claim for you"
How does this work? I thought you had to use your insurance company in the event of a claim, and their dedicated claims department. How would a solicitor differ from your insurance company, and how would this affect your relationship with your insurance company and seeking insurance in the future?
I have not any reason to make a claim, I just wondered what this way of using solicitors would benefit the motorist, rather than using the insurance company?
I can see a very good reason for involving a solicitor. Very often, certainly it happened to me, an accident involving two vehicles with each driver claiming they were not at fault is settled between the insurance companies on a "Knock for Knock" basis. Both drivers lose their no claims bonus which probably suits the insurance companies!
Of course, anyone who goes to a solicitor is probably going to be asked if they suffered whiplash or other injuries. Now that's a well known angle for them on a no win no fee basis!
I think in these cases the claim chasers will be working on your behalf with your own insurance company, rather than the other party's, to ensure you don't lose your NCD on the knock for knock agreement already referred to.
Most insurance policies have small print insisting that the actual claim is handled only by them.