Car insurance..

[Ohthatsfabulousdarling]

No idea what is normal In regards to insurance when an accident happens, but I'm feeling quite annoyed, but not knowing means I dont know if I'm feeling annoyed because my expectations are wrong
Someone drove into our car some 3 weeks ago. We told the insurance company the same day.

In the time since, the man who drove into us has explained to his insurer that he was at fault. His insurance has arranged collection of our car, and it's taking several weeks to repair damage. That insurance company have been absolute stars, arranged a courtesy car, have tried to offer us CBT and Physiotherapy incase weve been mentally pr physically affected by the incident- it was fairly small, no damage to us at all so not a requirement.

But our own insurance havent so much as replied to us reporting the incident. Not an email,text, call or letter. Weve been really lucky in the fact that the other driver has been honest about it being his fault or we wouldn't have stood a chance, given that 3 weeks on the insurance company havent done anything
Dont we pay them so they are at hand after an accident?

I'm considering cancelling the policy. Is that reasonable? I've got OCD, and I am really zeroing in on the fact that if this was a bigger accident and someone was really hurt or cars were written off, or the driver was saying it was our fault, we wouldn't have had the insurance company really interested in fighting our corner.

Someone confirmed today that yes the accident was reported to them on the day of the accident, but couldn't clarify why we havent heard anything from them at all.

The other driver is at fault and they are dealing with it.

What are you expecting exactly?

I don't understand. You can't take them not "fighting your corner" in a situation where there is no need to as evidence that they wouldn't ever do it.

Honestly I'd expected the insurance company to have atleast sent a letter to keep them updated and contact them if we needed their help.

At this point my insurance (to my knowledge) dont know this driver has admitted it was his fault.

Certainly wasnt in the details of us telling insurance what happened because he didnt say it at the time.

I didnt expect to tell our insurance we had been involved in an accident to not even receive a reply.

*id have expected them to have sent a letter saying to keep them updated and contact them if required.

As the other guy has admitted liability and his insurance company is sorting it. What did you want your insurance company to do?
Your car gets fixed by his insurance company, they take care of you now. Your insurance just needs to know you’ve been in an accident in case the other party denies it.

When we had a similar situation, I don't think I even notified my insurance because the person who hit my (parked) car took full responsibility and their insurance sorted it out. I wouldn't worry too much about your insurance company being a bit stand offish - you haven't actually made a claim. It would be dealt with completely differently if you actually needed them to do something, I would think.

Oh right, I'm understanding now. I thought that they generally had involvement whatever happened, but reading that I'm a similar sort of situation this is how it happens is really good for me.
It just made me worry because I'd expected them to have maybe sent a letter or even email because I didnt even know the guy had admitted it was his fault when I reported it.
In this situation there really isnt much that I'd imagine they need to do.

Thanks for the replies. I've never been in an accident before, and I just expected it to be different.

Insurance companies are awful. Our car was written off a few months ago, it wasn't our fault in the slightest but the other party are refusing to accept liability so we've lost our car and had to claim on our own insurance. We only got a fraction of the worth of the car back and we're still paying a loan for a car we don't have any more. We're in the process of fighting it. We'd only had the car for 2 months as well, it's absolutely infuriating but I'm hearing so many bad things about insurance companies now, since this happened. It does make you wonder why you pay month after month after month. I hope you get it sorted.

Huh? By the sounds of your post you're dealing with this directly with his insurance company, not yours. You have only let your insurance company know for awareness purposes, which you are required to do under the terms of your policy.

I had an accident when my aunts neighbour reversed into my car. He admitted liability. I advised my insurance company, but actually dealt with the insurance of the person who hit me direct. Must admit they were very goodbye in what they did

I had a no fault accident a few months ago even though the other drivers insurance agreed to sort straightaway my insurance company were fantastic as were the body shop - they constantly kept in touch with me provided updates - sorted car hire and even liaised with each other
For example body shop found more damage than first thought - they contacted insurance to agree extra costs who contacted car hire to book extra days then let me know what what was happening
LV if anyone is interested

As others have said - there’s quite literally nothing your insurer should be doing right now. You’re obliged to have third party insurance so if you have an accident and it’s your fault, your insurance will pay the other car’s damage. You can choose to have fully comprehensive so that if you have an accident and it’s your fault, your insurer will pick up the tab. But given he’s admitted fault, his insurer is raking with your losses - your insurer is not part of the equation. You haven’t made a claim, haven’t paid your excess, they don’t get involved. Be glad the other side are playing ball!

@babybrain77 - you are required to notify your insurer of all accidents involving you/your car, even if they're not your fault and there's no claim to be made on your insurance. Not doing so puts you at risk of your insurer cancelling your insurance if they find out, which can be a lifetime of pain as you then have to declare on future applications that you've had a policy cancelled.

I'm with the OP. She should be expecting contact from her own insurers, not the other driver's (though admittedly there doesn't seem to need for them to fight her corner).

When I was involved in an accident, a few years ago, the other driver admitted fault but I had no dealings with his insurance company. I expected my insurance company to deal with his and sort it out. That's what I paid them for. They did so very badly, and I left them shortly afterwards.