I was unfortunate to have my parked car destroyed recently by a third party who was racing his friend and collided with another third party who was trying to pull out of a side street.  This resulted in my third party losing control, mounting a pavement and throwing my parked car in to the middle of the road.

The Manchester Evening News covered it here

I had fully comprehensive car insurance, although I didn’t take out Motor Legal Protection (“MLP”) as I didn’t see the need for it at the time my car insurance renewal arose last November 2017.

It transpired that an insurer’s definition of fully comprehensive car insurance cover simply covers the car, a replacement hire car while your claim is being settled and nothing else.  This leaves you high and dry in trying to recover your lost excess, any lost earnings and potentially any personal injury claims.

I obviously didn’t fully appreciate that as my idea of fully comprehensive cover clearly isn’t aligned to a motor insurer’s definition, which is more akin to dealing with Ryanair nowadays.

To add insult to injury, my insurer sent me a legal pack from their sister firm offering to recover my lost excess and earnings less 20% (or so) commission fee.  I laughed at the legalese bullshit, which implied that this would need to go through the Courts with enough paperwork and forms to choke a donkey with.

In fact, it was easier for me to deal with it myself and it’s not rocket science to simply send a cover letter to your third party’s insurer itemising your claims in a bullet point format and stapling the supporting documentation and posting it first class.

I say ‘first class’ because there is an automatic presumption of delivery if you post something first class, whereas second class post is not classed as such.

Suffice to say, my third party’s insurer paid up fairly quickly although they wouldn’t settle the optional Collision Damage Waiver (“CDW”) fee on the hire car.

I was surprised that my claim was settled so quickly, as my third party’s friends emptied the boot of their car which is widely suspected to be drugs before the Police arrived and stormed his third party’s takeaway wearing masks and threatening his family.  I saw the mobile phone footage.

Both third parties were in dispute (and may still be), although I know his third party engaged their own lawyer and took witness statements complete with CCTV footage to evidence what had happened.  I reckon that my third party’s insurer simply took the view that it was more than likely that he was to blame for the carnage and simply settled my claim in full.

This could have been much worse as I was lucky not to have been in the car or anywhere near it at the time of this collision.

Anyway, the moral of this tale is to always take out Motor Legal Protection (“MLP”) cover as you may never know when you might need it.

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