Can anyone help regarding a car insurance firm reserving its right not to deal with a claim?
My son was involved in a collision at the end of January. This happened five days after he passed his test. He drove into the back of a Parcel Force delivery van. There was no obvious damage to the van although his car had some damage. He didn't tell his own insurance company he was involved in the collision.
Six weeks later he received a leter from a firm of solicitiors saying the other driver could be seeking settlement for whiplash injuries (although he had not been seen by a medical expert at that point).
My son's insurance company have written to him saying failure to notify them is a serious breach of his policy conditions & consequently they must reserve their right not to deal with the claim, pending the immediate completion & return of an enclosed form together with a satisfactory written explanation for the delay.
So, how can he make things better & avoid making them worse? What sort of explanation is satisfactory? He is 18 years old & has no prior experience of car insurance. Will he be condemned if he pleads ignorance, eg saying he hadn't read the policy & so didn't realise he should have informed them?
The prospect of having to meet a claim for injuries without the insurers is extremely scary. Not only for my son, who is still at school, but for me too!
Sorry for the long post but we need the expereience of others &/or an insider's understanding of how such a situation is dealt with.