Auto and Car Insurance

Can a Car Insurance company settle a claim on my behalf?

UK question I had an accident last October where I was going straight on and a car turned right and crashed into the side of me. Direct Line wanted me to settle this on a 50/50 basis as there were no witnesses. I refused this several times both by phone and letter (I mean how can a car turn into me be my fault) Now I find out that Direct Line have settled it on a 50/50 basis against my say so. Are they allowed to do this. Should they have taken it to court if that was my request? I have not signed anything at all. They sent me my money and thats it. I havent even signed over the car to them or given them my MOT. Yet they still sent cheque. Im not sending anything or signibg anything on protest.

Public Comments

1. That is a pretty stupid conclusion on the part of your insurance. Anyway, you should have gotten a written acknowledgement from the person who hit you during the time of the accident saying that he is admitting his fault. I am not sure what to tell you since insurance companies here in the U.S. are pretty good at helping you on your behalf.
2. Normally you would have to sign an an acceptance document agreeing to this. Did you meet with the loss adjuster to discuss the incident and sign a few forms about the accident in general? If so the form showing that you agreed to this condition may have been slipped in with others & you could have signed it unknowingly.
3. seems you should contact a barrister.Or search highway and traffic rules governing the area the incident happened-If it was in the states, then they can't do that, unclear on UK traffic regulations.(way too many to search-most change province to province)
4. What money did they send you, and what was it for? If you cashed the check, that may have accepted whatever they decided. But no one here can tell you. Call them and ask what the outcome was and why. If they didn't follow your request, find out why. If you don't like the answer you get, there is always the state insurance commission.