Getting an insurance claim properly settled
Hi Honourable Cyclists
Me is well peed off!
I went out for a lunch time 30 way back on 16 February. A good day, if cold. Had me longs on and a hi viz jacket on. What could go wrong?
On a public road, up by some Roman ruins in Silchester, a stupid dog launched itself at me, bringing me down heavily. It cost me 5 stitches in my eyebrow, damaged my helmet, ripped my gloves, lacerated my skin, destroyed the knee of my De Marchi longs, tore my jacket and worse - dented my lovely aluminium Trek 2200!!
The silly dog owner simply said, "What can I say? Sorry, mate." And wanted to leave it at that.
Not good enough. He had pet insurance. I got his name, address, number and the Police.
Police were great. Head injury - so called the ambulance. I was stitched up at the side of the road.
So I had two reports - Police & Paramedics.
Here we are, 14 June - no settlement and now the lousy dog owner's insurance company want me to undergo a medical examination "to inspect injuries sustained".
I am not claiming for personal injury but a crown fell out the following day, loosened my dentist said by the impact of the fall and sent a note to say so to the insurance company.
They have all the reports, lots of photos, a dentist's affidavit, my bloodstained face and wrecked clothing - and still I am fighting to get a pay out.
So, what's the point of insurance if it takes FOREVER to pay out?
Anybody else experienced such tardiness in settling a claim, simple or otherwise?
But frankly, I wish I'd never bothered with the claim - although it works out at about £200+ of wrecked top quality gear (Assos gloves, De Marchi longs, Nike overshoes etc) and I've now missed the winter sales!
I also wish I'd screwed them for my bike, whiplash, extensive personal injury and loss of earnings too. Would've made the whole thing somewhat worthwhile!
All I ever wanted was what was right - payment for ruined clothing and damage to my teeth. Not even a claim for my lovely bike being damaged! And I did nothing wrong whatsoever.
What has been your experience over clashes with insurers when right has clearly been on your side?
I'd really love to know!!
Honest John, who is a whole lot uglier now than he was before!