Who is to blame for going into the back of my stationary Car?

[Anna247]

A few weeks ago whilst my car was stationery (no one inside it) there was another car behind me also stationery, then a van behind it, the van hit and the middle stationary car which hit the back of my car, the car in the middle had no damage at all, yet I have damage to my rear bumper (new car), he first said he would pay for the damage without going through insurance, when I sent him the quote, he said it would have to go through insurance.Which is a company, the owners of the business has said it is not there fault and refuse to give me insurance details, the person driving the van accepted full blame for accidental damge which I got off him. I spoke to my insurance who said it is the Van that is liable to pay for the repair.My insurance company says that I should sort it out, why do I pay insurance when they say I can sort it out myself, as I am not at fault. What shoould I do now?Zurich is my insurance they said if I want then to get involved I have to pay the £350 access and then they will recover it, why should I have to pay for this when it is not my fault, and I do not have £350 I hope someone can help Thanks Anna

But the middle car wasn't damaged?

You have to claim off the van. Your insurance company was correct. If you want your insurance to cover the claim you'll have to pay your excess of £350 and then either you or they will try and recover it from the other party. They aren't bothered about recovering your losses - only theirs. You might have taken out legal protection when you got the policy. If you didn't, you'll surely do so in future. It usually costs around £10. You need to make a separate claim under the legal protection policy (it is often with a different company) and they will appoint a solicitor for you. sounds like a small claims action. You will have to recover/claim the excess as well as the higher cost of premiums for you in the future. Even though you're not at fault it still counts as an accident.

You should also report the accident to the police. Failure to give insurance details is an offence. They might not have insurance. I wouldn't bother asking them again. Just go into your local police station today and make a report.