On the 6th of January 2009, after visisting a friends house in Ousby, Penrith, I was driving with my 3 year old neice and 12 year old brother in my car along a backroad towards melmerby. The weather was quite bad, it was snowing, so set of home, as i came round a downhill corner i spotted a car in the middle of the road at the bottom of the dip. the driver Made no effort to move over, i braked and realised i was on ice, tried to avoid hitting the car by swerving onto the grass verge, but caught his driver side wing and put my car through the wall. Completely shocked i checked that my brother and neice were ok, looked up to notice that the other car had moved and parked up on the grass verge in front of my car! I got out of my car and the other driver did also, he came rushing over and reassured me that it was "one of them things", the driver admitted that he had just done a turn in the road and shouldnt have been in the middle of the road but didnt want to carry on driving to melmerby (the direction i was intending to go). He then said that he didnt know whether to go through the insurance companies as he was in the middle of the road, he gave me a card with his number on to call when i got home. Some passers by came and helped get my car out of the wall and drove it to melmerby where i then met my mam and dad. My mam phoned the other driver where he told my mam that it wouldnt have happened if he hadnt been in the middle of the road and that i was not to blame, he said he was going to have a think about it all and would ring back. A few hours later he rang back with a completely different attitude and said he was making a claim against me as i was "an inexperienced driver" only being 17 years old. Supposing he was an experienced driver doing a turn in the road at the bottom of an icy hill! The following day i called my insurance company to reportthe accident and make a claim against the other driver, they said they would get back in touch and never, after calling Quinn direct three times, i eventually spoke to a woman who called herself my claims manager. She reassured me that she lives in Penrith and knew what the weather had been like, therefore neither party would be liable to claim and it would be a case of paying for eachothers damage. She wrote to me requesting my mot certificate and drivers licence, which i posted to her. After a month of no communication, i decided to text claim manager and ask what was happening with the case. I got a reply saying " he is not getting his repairs done until the 10th march so we can't close the claim until the invoices are in". As i hadnt heard anything since posting her my details i text back asking if i was getting my car repaired as i hadnt been notified, which she replied "unfortunatly we are unable to defend the claim. As you informed me that you braked and skidded on the ice we cannot argue that you were in control of your vehicle. We did try to argue that he was in the middle of the road but as you say you saw him and braked we will have to accept liability". I was absolutely disgusted with the lack of communication between me and my claims manager that i replied telling her this and that i was not happy with her company and lack of customer services, i also said that i wished to cancel my insurance due to the matter. She replied sayingthat she was sorry that i felt things were not explained ant that she had previously pointed it out, but she hadnt. My mother and i then started to look for other car insurance quotes and realised that you cannot get one without an estimate of the claim, so i texted marie agin to ask for it which she replied " no his insurance company are dealing with his repairs, i will let you know once we get the figures". I rang one insurance company to ask if i could insure without a claims cost and he said that by law my insurance company should give me an estimate and that i should have filled in claims forms and diagrams, which i hadnt. |I rang quinn again to complain re lack of service/communication and they said my claims assessor would come out and assess the damage to my car and take a statement, then visit the scene of the accident to assess the situation. this should have been done in the first place. 3 days later still waiting. phoned quinn again told they would ring me back in 5 mins, 2 hrs on still waiting. told not allowed to cancel with quinn as have an outstanding claim with them. STALEMATE!!!

On the 6th of January 2009, after visiting a friends house in Ousby, Penrith, I was driving with my 3 year old nice and 12 year old brother in my car along a backroad towards melmerby. The weather was quite bad, it was snowing, so set of home, as i came round a downhill corner i spotted a car in the middle of the road at the bottom of the dip. the driver Made no effort to move over, i braked and realized i was on ice, tried to avoid hitting the car by swerving onto the grass verge, but caught his driver side wing and put my car through the wall. Completely shocked i checked that my brother and nice were ok, looked up to notice that the other car had moved and parked up on the grass verge in front of my car! I got out of my car and the other driver did also, he came rushing over and reassured me that it was "one of them things", the driver admitted that he had just done a turn in the road and shouldn't have been in the middle of the road but didn't want to carry on driving to melmerby (the direction i was intending to go). He then said that he didn't know whether to go through the insurance companies as he was in the middle of the road, he gave me a card with his number on to call when i got home. Some passers by came and helped get my car out of the wall and drove it to melmerby where i then met my mam and dad. My mam phoned the other driver where he told my mam that it wouldn't have happened if he hadn't been in the middle of the road and that i was not to blame, he said he was going to have a think about it all and would ring back. A few hours later he rang back with a completely different attitude and said he was making a claim against me as i was "an inexperienced driver" only being 17 years old. Supposing he was an experienced driver doing a turn in the road at the bottom of an icy hill! The following day i called my insurance company to report the accident and make a claim against the other driver, they said they would get back in touch and never, after calling Quinn direct three times, i eventually spoke to a woman who called herself my claims manager. She reassured me that she lives in Penrith and knew what the weather had been like, therefore neither party would be liable to claim and it would be a case of paying for each others damage. She wrote to me requesting my mot certificate and drivers license, which i posted to her. After a month of no communication, i decided to text claim manager and ask what was happening with the case. I got a reply saying " he is not getting his repairs done until the 10th march so we can't close the claim until the invoices are in". As i hadn't heard anything since posting her my details i text back asking if i was getting my car repaired as i hadn't been notified, which she replied "unfortunately we are unable to defend the claim. As you informed me that you braked and skidded on the ice we cannot argue that you were in control of your vehicle. We did try to argue that he was in the middle of the road but as you say you saw him and braked we will have to accept liability". I was absolutely disgusted with the lack of communication between me and my claims manager that i replied telling her this and that i was not happy with her company and lack of customer services, i also said that i wished to cancel my insurance due to the matter. She replied saying that she was sorry that i felt things were not explained ant that she had previously pointed it out, but she hadn't. My mother and i then started to look for other car insurance quotes and realized that you cannot get one without an estimate of the claim, so i texted marie agin to ask for it which she replied " no his insurance company are dealing with his repairs, i will let you know once we get the figures". I rang one insurance company to ask if i could insure without a claims cost and he said that by law my insurance company should give me an estimate and that i should have filled in claims forms and diagrams, which i hadn't. I rang quinn again to complain re lack of service/communication and they said my claims assessor would come out and assess the damage to my car and take a statement, then visit the scene of the accident to assess the situation. this should have been done in the first place. 3 days later still waiting. phoned quinn again told they would ring me back in 5 mins, 2 hrs on still waiting. told not allowed to cancel with quinn as have an outstanding claim with them. STALEMATE!!!