Does anyone please please remember my thread about teenager daughter and a car accident?

[LongTallSuzie]

As above, is there anyone who remember my thread from last Oct about my 18 year old daughter who had a car crash?
In a nutshell, she collided with another car. They were both at fault. No dash cams. No witnesses. My daughter's car ended up being written off. The other persons car needed £2000 of repairs.
The other person wanted to settle the claim herself and wanted my daughter to pay her £600 for a garage repair. She'd only gone to one garage and refused to get other quotes. She didn't want to involve the insurance.
The kind people of Mumsnet advised me and we claimed though the insurance, as did she.
We've just received a letter from the county court, which I think means she's suing my daughter for over £2000.
She's written a statement in which she fully blames my daughter. This is untrue. What on earth do we do?
Please any help or advise would be so appreciated.

If she has legal cover with her car insurance, use this.

Your insurers should help. Do you have their legal cover? This should be an insurance on insurance claim.

Get a good lawyer ASAP

For what exactly?

I didn't even know that was possible?

Is it a scam ?

Could be a scam ?

Find the real county court number and double check the details ?

All sounds a bit strange

The police should have been called at the time of the accident.

Is there any police report?

YY to the advice to check if the court letter is legit.

Refer it to your DDs insurance company - they’ll assist. She can’t claim for money she’s already received from the insurance company

I don't think she's got legal cover with her insurance. We rent, so none through our mortgage either.
She's a full time student. We don't have £200 let alone £2000.

She doesn't need a lawyer. She needs to pass it onto her Insurance company.

The police should have been called at the time of the accident

Not necessarily, especially if they both exchanged details

Ignore them and forward everything to your insurance company.

Your daughter need pjs to call her insurer and provide them with a copy of the letter.
Her policy covers the third party claim. This includes investigating and deciding who is at fault, litigation/court etc if required.

Doesn't matter. I had similar happened to me many moons ago. Insurance company took it on as part of the claim. The other party got nothing. I heard no more about it.

Send the letter to your car insurer and let them respond !

Call your insurance company.

Looks like she has claimed on her own insurance but told them it wasn't her fault so her insurance are trying to recover from your daughter.

Your daughter has already advised her insurance company about the accident, so let them deal with it. They will look at what your daughter told them at the time, look at what the other driver has said and either pay out or dispute the claim.

This is what insurance is for. If your daughter has to go to court it will be as a witness because the insurance say it wasn't her fault.

Speak to them in the morning, they will explain everything and reassure your daughter that she will not be personally liable for anything.

The claim was never settled but they paid out to my daughter who bought a new car. The insurance said it was a 50/50 claim. The other person is claiming..
Policy excess £500
Reduction in vehicles value due to damage £2653.12
Plus interest.

The police weren't involved.

It seems a separate claim to the insurance. It looks to be the small claims court. She's got a (trainee) solicitor to write her statement. The letter looks legit. Ffs

Thank you for all replies so far.

Why not post in legal OP xx

It doesn't matter. Call your daughter's car insurance.

They will look at it as part of the claim, I'd imagine.

That sounds bizarre, it's been through the insurance, they've agreed it's 50/50 knock, but now the person is challenging this? I'd ring insurance and see WTAF this person is up to?! Didn't she get paid that amount through insurance so she's trying to claim twice?!

Just because someone writes a legal letter, even one from an actual solicitor, it doesn't mean it actually worth the paper it is written on.

Pass it to the insurer.

send it to the insurance company

I agree that her insurance policy pays out anything and everything due. So she doesn’t need legal cover or a solicitor. She just passes it to the insurance company. It all,sounds very odd though. Is there a date to go to court? She can’t get money from you unless a court instructs you to pay her. I would attend any court dates though to ensure the case isn’t found against you in your absence. I’d just go and say I was insured, the insurance paid out and said it was 50/50.

The police don't get involved in no I jury claims.
She needs to prove probability that it was your daughters fault.
Just attend court and show them all the paper work related to the claim
I wouldn't worryķ

Hi OP, defending these kinds of claims is my job. It isn't a scam. You need to pass the proceedings onto your daughter's insurance company and, as long as she has complied with the terms of her policy, she will be covered under her insurance policy. Your insurer will pass the proceedings onto their nominated solicitors who will defend the claim on your daughter's behalf. You need to do this quickly to avoid default judgment and a CCJ.

If it was all claimed through the insurance then ring them with the claim number and ask their advice. They will immediately be and to tell if she has any legal cover and the best course of action to take.