Re: Help please O/T.
Posted by Stuart on May 6, 2021, 8:04 am, in reply to "Help please O/T."
Hi Hampy, |
Swmbo is OK?
I've had good and bad experiences with claims management companies.
Seen your thread earlier, I'd have advised against contacting your own insurers; clearly not swmbo's fault, ime third-party insurer is the most likely to want the claim settled quickly, costs controlled; I'd have advised contacting her own insurers only when everything was done 'n' dusted.
However, what's done's done. You've obviously got an internet-linked computer in front of you, look up the "Enterprise" claims management company? Could be an arm of the Enterprise car hire company?
I advise keeping an eye on what the claims management company are up to; the very worst still think it's a licence to print money. Bear in mind swmbo, as "First Party" to the insurance contract (the insurer is the "Second Party" ) remains legally responsible and has control. Insurance companies would like you to believe the contract hands management control of a reported claim to them but, if the company doesn't manage the claim efficiently, including controlling costs (that'll ultimately be paid by the third party insurers), you can take back management yourself.
Some years ago, swmbo was hit by another driver at a local crossroads, police involved, witnesses, absolutely no doubt who was to blame. I allowed her insurer at the time (LV) to 'handle' it and it turned into a complete and utter shambles, involving the broker and two(!) claims management companies, the second of which was one of the aforementioned. Dragged on for a couple of years, despite swmbo making complaints to the Financial Services Ombudsman (each of which costs the insurance company money ).
However, I suspect that's probably unlikely to happen, the CM company is probably fine. Nevertheless, I'd keep an eye on what's happening - when things like the insurance inspection is scheduled, did it happen when scheduled; if it did, what happens next and when, etc., etc.