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Why do we pay for insurance.

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Green1:
Years ago I was invoved in a head on collision due to a car driving towards me on the wrong side of the road. I was doing less then 10mph as I was about to pull up.It bent my Transit like a bannana. It was finally settled and went 50/50
. When I complained and demanded a resson for it going 50/50 I was told it was because I was only Third party so would have no chance of wining.  :o
After that I have always gone full comp.
Last December I walked up to my van to find the rear doors were stoved in. Obviously no one left details so no one to claim against. So now another £500 out of pocket. Late January I was hit head on again because a BMW refused to giveway or even slow down. Again I was almost at a stop It was captured on film and a witness agreed it was all down to the third party not stopping.
It wasn;t just a tap on the nose I went without the van for a month as it needed a hole new front end it even bent the subframe.
Yesterday I had a phone call its been settled 50/50.
When I complained this time I got no response the person on the other end just went silent for a second and then carried on reading from his script.
I still see her driving around and she still refuses to give way and bullies other road users out of the way.
On the 18th this month I was punted across a roundabout when on the bike. Again no one to claim against.
I used the car for work today as I can't take riding the bike any longer every bump or ripple in the road is agony.I get home today to find someone has run into the back of my van again and again no details left.

Am I the only one that is honnest if I catch another car? Not that I have as I have eyes in the front of my head.

Rant over

philward:
Bludy hell Mick, you have had some bad luck!
In my opinion, its our law industry who manipulate well intentioned laws to make huge amounts of money defending people who they know are guilty of breaking the law - driving the cost up and forcing insurance companies to defend via equally expensive defence lawyers.
My son backed his firms small pickup into the back of a £500 hatchback at 5mph (denting the back boot lid). He exchanged insurance details and told his boss who went round to the young girls house to offer to pay for repair (to save his insurance increasing). The girl/father initially said yes but then contacted a claims company and refused to then speak to him. At his next renewal his insurance premium rocketed so he rang ins company who advised it was due to a £13,500 claim! - 2 x wiplash (driver and passenger) and carhire (for driver and her mother who owned the car) and £500 for car. When he said why did you pay whiplash for a 5 mph bump, they said the cost of disputing the whiplash claim was too high and cheaper to pay the £13,500. Dishonest people and unethical law industry is the problem.
Second rant over!

Moorey:
When it is 100% not your fault state on your claim form  no claim to be made against your insurance.

SteveW:
Insurance companies want it to go 50/50. That way both sides lose their no claims and have a history of an accident against them.
Next renewal time both parties pay increased premiums, therefore more money for the insurance companies.

I was told that many years ago by an Insurance broker.

Green1:

--- Quote from: Moorey on May 28, 2020, 12:20:40 AM ---When it is 100% not your fault state on your claim form  no claim to be made against your insurance.

--- End quote ---

I would have thought footage would have been clear enough it wasn't my fault.
Thinking about it now I havn't been sent any paperwork at all. The only thing I signed was for a hire van.

I'm sitting at home today as I loaded the trailer this morning and my back went pop.

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