Hi there I hope someone can help me. I was at a classic car show at Tatton Park. I was moving my car to get it ready to hitch up the caravan. 2 chaps offered to move it and before I knew what was happening they had let it roll into a womans car. Not much damage just a slight dent. But, my insurance company said I was'nt insured because it was'nt hitched to the car. I'm new to caravaning and I have been given the wrong info re insurance. This woman is now saying thats shes going to get a solicitor on the case. I have'nt admitted it was my fault but she wants £160 for the slight dent. Can anyone can help me? I will be going to citizens advice but i thought I'd try this first. I want to do the right thing but if I not legally liable then I won't pay up.
I'm not sure which insurance policy car or caravan but if it's only £160 I'd pay it with out claiming on insurance as your premiums will go up and over time you'll end up paying more than £160 It would be a different story if it was £1000's As to not admitting liability you have told us how it happened, your caravan hit her car then you should pay for her loss
The caravan is covered for Third Party when it is Hitched to the Car, so they would not want to know in this case. I would have thought, the Caravan Insurance (assuming you have some) would be liable to pay, though as Aidan says for £160 I would pay it myself to keep the Premium down. Best to see the CAB for legal advise.
Elnagh Clipper 90.......... Real Names Mike & Hazel
As usual, I agree with Trooper. Take legal advice.
If you have house or car insurance, you may find that you have paid a premium of about £8 or £9 for a legal advice service. It may be worth investigating. Failing that, as Trooper says, try the Citizen's Advice Bureau (or whatever they are called now).