Hi all, my first post on here. Not a good one sadly. Looking for a little advice in regards to my insurance paying out on a claim made agaisnt me. Basically on 11/11/13 i was stopped at a set of red lights, handbrake on and car in front rolled back into me at no more than 0.5mph. No damage whatsoever on close inspection. Just took number plates etc and that was that as far as im concerned. Then on approx 20/12/13 recieved an hand writen note posted through my door from insurance investigators asking my to contact them. So i thought i would ring my insurance company first. They said the other party has put a clakm for whiplash in, no damage just whiplash! Said that im not accepting liabilty so they could respond to the other party. Arranged to me the independant investigator working on behalf of my insurers. Met with the investigator today, gave my statement, along with photos shown no damage. Stated how could there be a whip lash claim with no damage? And that if i had hit him his tow bar would have made a mess of the front of my car. Everything sorted, statement was to be types up, posted to me to agree its correct, sign and return. 4 hours later my insurers rang babbling away, so i stopped them in there tracks and said so your going to settle? They said yes. Right my questions 1: How can my insurer agree to liabilty whithout seeing any statements or any evidence from either party? They just said that because both have admitted that there was contact we are going to admit liability! All they know is that his is claiming whiplash. Can they do this? 2: Who can i complain to? I have again spoken to my insurance tonight, customer service for claims department. Even they agree that they cant understand why or how its been settled with the very little information given and no investigation taking place. They are not sure if they can retract the admission now. Its has been referred to someone higher up and will be in touch with me within 48hrs. I said to them that when this originally started that i would stand up in court. Now that since they are so keen to pay they can, but i do not want to lose my ncb due to them basically doing nothing and just agreeing. Hope this makes sense Any advise would be greatly appreciated Thanks Pete

I had an accident last year about may, were a car hit my van. I filled out the forms and sent them off and have now got a letter back saying they have put the liabilty down to me. I do not agree with this , what are my options. Also on a seperate matter had a accident management company contacting me saying to cliam for whiplash , when i questioned them about how they got my details they tried to make out the where part of the insurance company! I spoke to the insurance company who denied anything to do with them , and said they would not pass my details on to anyone, which they had by this company ringing me up on my mobile with the car details What are my best options

Hi, I had an accident last night that 100% was not my fault. I was driving along a main road and a car coming toward me tried to turn onto a side road and smashed into the drivers side of my car, he claimed he believed I was also turning down this road. To complicate matters further I was driving my partners car but under my own insurance so was only covered by 3rd party insurance. It looks like my car is a write off but luckily with it being a Volvo I escaped with nothing other than a stiff neck. I managed to find out online who he is insured with and called them to discuss the matter and was told that the other driver is claiming that I drove into him, this is simply not true and hopefully when I get the police report in a few days this will become obvious. Because I am only covered 3rd party my ins co have said that they have no interest in the case and that I have to deal with the TP on my own, this is leaving me feeling extremely vulnerable and I'm not sure how to proceed. Should I wait for the police report then get back in touch with his insurers? Also, the car is in storage just now and is attracting daily charges, the storage company will hold the car for 21 days before contacting me about it. I've never had to make a claim before, who decides if the car is indeed beyond repair? Who instructs / pays for this? Any help or advice much appreciated.