My UK car got it by Belgian car in Brussels - How to claim?

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garbage49 New member

Member since 26 December 2022

garbage49New member26 December 2022 14:15:58

Hi,

My UK car was parked in Brussels while I was away. The guy left his contact and insurance details.

I called his insurance, they refuse to hear me, they told me to go through my insurance. Fair enough I suppose.

I called my insurance in the UK, I have third party, they tell me I can no claim any damage as such. Makes no sense to me, I understand I can not claim for damages I did on my own, but if a 3rd party hits me and acknowledge it was his fault in a letter and on the "constat" and I have his insurance details, why should not be able to raise a claim to get my car repaired and paid by this 3rd party insurance?

Any pointer would be greatly appreciated

Thank you

garbage49 New member

Member since 26 December 2022

garbage49New member26 December 2022 14:17:34

"hit" even, sorry about that :-(

Cynic UK / Netherlands Expert

Member since 15 September 2015

CynicUK / Netherlands Expert26 December 2022 15:58:58

7677

Hi.

From what you've said, you have 3rd party cover only, so it sounds like there is a clause in your policy where your Insurer has no obligation to chase other 3rd parties on your behalf. There is nothing unusual about this, when I was a fleet manager I never used our Insurer to pursue 3rd party claims, I used a Law Firm to pursue all 3rd party incidents. Give your Insurer a callback and ask them to explain why they cannot act on your behalf; assuming they are correct, then ask them if they have any in-house legal advice you can use in order to proceed with your claim. If they haven't, then a quick Google Search will give you some names of some well-known UK law firms who specialise in this.

I hope this helps.

Cynic

Expat Team

garbage49 New member

Member since 26 December 2022

garbage49New member26 December 2022 17:25:47

Hi.
From what you've said, you have 3rd party cover only, so it sounds like there is a clause in your policy where your Insurer has no obligation to chase other 3rd parties on your behalf. There is nothing unusual about this, when I was a fleet manager I never used our Insurer to pursue 3rd party claims, I used a Law Firm to pursue all 3rd party incidents. Give your Insurer a callback and ask them to explain why they cannot act on your behalf; assuming they are correct, then ask them if they have any in-house legal advice you can use in order to proceed with your claim. If they haven't, then a quick Google Search will give you some names of some well-known UK law firms who specialise in this.

I hope this helps.

Cynic
Expat Team
-@Cynic

Thanks, much appreciated

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