Car insurance pay out

[ImSoConfusedAboutItAll]

I had a car accident in December which was non fault and immediately accepted as such by third party. My car was written off and I was called quite quickly and told the amount I would be receiving for my car. I've got a courtesy car at the moment which is all fine.

However I am STILL waiting to be sent the money for my written off car. The insurance company say they are still waiting for a cheque from third party! Is this normal? Why is it taking so long? Anyone in the business or have experience of this recently? As I say I'm ok as I have my courtesy car but I am told that I need to buy a new car within 7 days of receiving the money otherwise the third party can argue that I didn't need the courtesy car and refuse to pay the costs.

My main question is why is it taking so long to settle?

It may well not end up with OP being liable, but they could still become embroiled in court action in helping the AMC recover the money from AXA if things go wrong with regard to the impecuniousity clauses in credit hire contracts. And the contract will include a clause that OP has to assist them.

There's a whole industry out there involved in credit hire litigation, so it obviously goes on regularly.

This for instance: credithirebarrister.com/measure-of-damages/appeals-and-impecuniosity/