Hi all,
(I have posted this on another forum in the hope that I might find someone to help)
I am really angry. Somebody hit my car back in 2008 and did not admit liability. I ended up having to settle 50/50. During the repair of the vehicle I was offered a hire vehicle, which I had for about a month. The third party insurer queried the use of the hire vehicle as I had received an injury in the accident which meant I could not drive the hire vehicle for approx 2 weeks. However, the other driver on my insurance did drive the hire vehicle during this time.
Now, over two years later I get a letter stating I am liable for the cost of the hire vehicle as the additional driver was not entitled to drive the vehicle. This just seems silly, if there are two people insured to drive a vehicle if that car is involved in an accident and a replacement car is given then obviously that person may require use of that vehicle.
From my recollection when all of this was gone through over the phone I stated that the other person would require use of the vehicle, as they had to go through the details of the insurance with me. But I cannot remember the exact conversation as it was two years ago.
What can I do? I certainly don't have £10,000 and I am already heavy in debt, I would have to declare bankruptcy. Can I fight this? Is it their error in not quering whether the other driver on the policy required use of the vehicle?
Please help, I am literally pulling my hair out.
Thanks
Ebony