Car crash! Have you any good advice for dealing with insurance companies?

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deadman	Don't admit liability to them, its the reason they need to not pay out the claim. stick to your guns and claim against the policy, if you have fully comp insurance you will be fine. if not you have to pursue it on the grounds of unavoidable circumstances, the oil. try and get paperwork from the police if poss. stick to your guns but expect to wait as insurance companies can drag their heels Was this answer helpful to you? Yes / No

ramarro smith shadow	If the insurance company will not accept the claim based upon what you stated then seek the government body that regulates the insurance companies in your area/state/province/whatever (i.e. insurance commission..etc.). Remember, always go to the top...the " middle man " is paid to give you the run-a-round. Was this answer helpful to you? Yes / No

drackslair	if you have no fault insurance it does not matter. If you have regular insurance then do not except get a lawyer if necessary Was this answer helpful to you? Yes / No

reddfaery2012	Get a lawyer! They will be VERY helpful. My husband was also in a wreck last year (he too was okay, thankfully). His lawyer did all of the dealing with the insurance company. I would also have the lawyer find out if that oil spill had been reported prior to his wreck. Slim chance, but if it had been, then liability may fall to who's responsible for cleanup. Was this answer helpful to you? Yes / No

Mick	Go to your local council highway department and ask if they will give you a report on the time and place that they cleaned the oil spillage up ,and for what reason ,for it should correspond with your statement ,but it is the council you should be calming off . Was this answer helpful to you? Yes / No

bundysmom	Sorry to tell you, your hubby's at fault. Oil spill or not, that doesn't alleviate him of his duty to pay attention and drive according to the road conditions, which in this case, there's oil on the roadway and 25mph is way too fast..... Was this answer helpful to you? Yes / No

lister_larger	You need to find someone to blame it on first. The person who you talked to wanted you to accept responsibility because its easier for them. Go down fighting. Its likley you will loose but try everything you can. Was this answer helpful to you? Yes / No

robin	You could go on a massivecrusade to prove that someone else is negligent, ultimatly you will probably waste alot of time, as you will only lose your excess normally £100 you will also lose no claims bonus if you dont have it protected, if it is protected you will just lose one of your "lives". If i were you i would pay the money and save yourself alot of grief and put the incident down to bad luck. Was this answer helpful to you? Yes / No

tonytucks	No you in no way should accept responsibility,in this situation its up to the company to prove that your husband was responsible,you already have sustainable evidence of the cause and witness accounts from the highways people this is negligence caused by the council who should have had the spill cleaned up and have failed in their duty of care,i had the same situation when my car hit a pot hole which caused it to veer and i collided with a tree and my company tried to get me to admit liability,stick to your guns and if you belong to a motoring association then consult them for support. Was this answer helpful to you? Yes / No

jamand	If the road has been subject to 4 accidents due to this spill and you can prove this with Police back up - then it is down to the local council and/or Highways Dept to accept responsibility - although they will always deny it! Advise your insurance company to reclaim costs from local council/Highways Dept. If however, the oil spill cannot be attributed to negligence by the council/Highways - then your husband may have to assume responsibility. Was this answer helpful to you? Yes / No