Insurance asking for video proof

Niki008

So what happened:
Delivery driver bring me take away order. When he was leaving he hit my car and run. I ring back to takeaway and ask them to send this supermario back. He came back, was very sorry. So I took his details, took a pictures of his and my car.

I did claim to his insurance, AXA. They was very sorry that this thing happened with those driver (my insurance third party and not involved). After one month AXA ask me to come for estimate damage and they got 650 euros. After another month, today, they ring me and ask to send video from cctv, which I don't have. They said that second driver agree that he hit my car, but did not make any damage. So they need a video proof of it, or I can forget about repairs and can go to court if want so.

So situation is I didn't get any paper about refuse to repair, but I got that type of call. What should I do in this case? Any advice?

Sorry for my english, it is my best

Kenny Logins

What did your insurance company say? Can you let them handle the claim against Axa?

Ask for CCTV footage to prove that he didn't damage your car.

biko

Why did they ask for CCTV spicifically do you think? Most people don't have CCTV.

Niki008

Misleading about cctv, I didn't said from start, sorry. I have camera, and I had that video recorded. But few weeks after I lost that file because I lost my hard drive. My fault I had no copy of that. So I said them about I have no video anymore, it was lost. And they said to me no video - no proof that your car was hit by our insured - no repairs

My company said from start it is my business only, because I am on third party..

NUTLEY BOY

Tell them that the video evidence is not available due to loss of drive.
The absence of pictures of damage is not fatal to your claim.

I understand that your car was inspected by AXA. They should have been able to see the damage for themselves even though it was weeks after the accident.

I would ask them to settle your claim now or tell them that you will instruct a solicitor.

Alanstrainor

Niki008 wrote: »

My company said from start it is my business only, because I am on third party..

Surely that's not right. Someone crashed into you, you are the one at a loss here. Your insurance company should be dealing directly with the delivery drivers insurance. Or am I missing something here...

Eggs For Dinner

Alanstrainor wrote: »

Surely that's not right. Someone crashed into you, you are the one at a loss here. Your insurance company should be dealing directly with the delivery drivers insurance. Or am I missing something here...

Your own insurance company has no part to play if you want to seek damages from another party. However, if you claim under your own policy (not possible in this case) your insurers assume the right to try and recover their outlay from the 3rd party

Eggs For Dinner

NUTLEY BOY wrote: »

Tell them that the video evidence is not available due to loss of drive.
The absence of pictures of damage is not fatal to your claim.

I understand that your car was inspected by AXA. They should have been able to see the damage for themselves even though it was weeks after the accident.

I would ask them to settle your claim now or tell them that you will instruct a solicitor.

I appreciate English is not the OP's 1st language, but I interpret it is follows. The other driver is denying any damage was caused and AXA are looking for some form of proof to back the OP's story. If AXA have inspected the vehicle and can't see damage, they are taking the position that a) there was none or b) it had already been repaired and they want to see evidence of what it looked like before.

My take on the circumstances, but open to clarification

tcawley29

Eggs For Dinner wrote: »

I appreciate English is not the OP's 1st language, but I interpret it is follows. The other driver is denying any damage was caused and AXA are looking for some form of proof to back the OP's story. If AXA have inspected the vehicle and can't see damage, they are taking the position that a) there was none or b) it had already been repaired and they want to see evidence of what it looked like before.

My take on the circumstances, but open to clarification

Thats what I understood too but the insurance company are being chancy here. The driver admits to hitting the OPs car but "didn't" damage it :rolleyes:

Kenny Logins

Eggs For Dinner wrote: »

Your own insurance company has no part to play if you want to seek damages from another party. However, if you claim under your own policy (not possible in this case) your insurers assume the right to try and recover their outlay from the 3rd party

My insurance co just arranged a solicitor to handle everything for me when I had a claim against a third party. No idea what they were even charging on top of my damages.

Niki008

Eggs For Dinner wrote: »

I appreciate English is not the OP's 1st language, but I interpret it is follows. The other driver is denying any damage was caused and AXA are looking for some form of proof to back the OP's story. If AXA have inspected the vehicle and can't see damage, they are taking the position that a) there was none or b) it had already been repaired and they want to see evidence of what it looked like before.

My take on the circumstances, but open to clarification

There is existing damage and easy visible. And it is still there - bent car wing. AXA inspected it and find out that to fix it will cost 650 euros.
Second driver agree that he hit me. But when he did it - there was no damage (he say's so). So I did it myself somewhere else. Or I need to prove my story

P.S. Even on video you can't see damage. Your camera always fixed to your house, and your car in 99% cases will be hit from road side.

Eggs For Dinner

Kenny Logins wrote: »

My insurance co just arranged a solicitor to handle everything for me when I had a claim against a third party. No idea what they were even charging on top of my damages.

That was just a referral. There are specialist solicitors who take on that task. It would not have been anything your insurers were involved in directly

Eggs For Dinner

Niki008 wrote: »

Second driver agree that he hit me. But when he did it - there was no damage (he say's so). So I did it myself somewhere else. Or I need to prove my story
.

Well there's the issue. If AXA inspected your vehicle's damage, they must be confident it doesn't match possible impact areas on their client's vehicle. If you wish to pursue this, you probably need to engage a solicitor and your own engineer

Kenny Logins

Eggs For Dinner wrote: »

That was just a referral. There are specialist solicitors who take on that task. It would not have been anything your insurers were involved in directly

Yeah, that was the part they played. :pac: