Question: In April of this year, my car was involved in an accident along the Mandela Highway. Someone was driving it from Spanish Town to Kingston. On reaching near the Central Village Police Station, in the right lane, the driver saw two mini buses that appeared to be racing. One, a Toyota Coaster, cut across from the left lane in front of him. The other came from behind. The Coaster braked suddenly to make a stop in the left lane near Sufferers’ Heights.
The person driving my car stopped to avoid a collision. The other minibus, a Nissan Caravan, that was travelling behind my car, failed to stop and collided with the left rear side, causing extensive damage.
The police were called. They instructed both drivers to visit the police station. The Nissan and my car are insured with the same company. After waiting for over a month, I was told that the third party was not accepting liability. It was argued that my driver came over into the path of his vehicle. The police report states that both vehicles were travelling in the right lane and that when my car stopped, the driver of the third party failed to stop.
It also reports that third-party driver was warned for prosecution. After taking the report to my insurance company and waiting and calling for another four weeks, they told me that they need to carry out investigations. Three weeks have since passed and nothing has happened. Can you please advise me what steps I can take to resolve the problem?
– Car owner
INSURANCE HELPLINE: This column celebrated a ‘birthday’ last month. This year marks its 20th anniversary. I am going to do something unusual in today’s article to celebrate the milestone. I asked the editor’s permission to publish the photographs of the two vehicles that you sent me – and showing your licence number. Those details are important. They will allow the people from your insurance company to recognise the claim without me naming the company.
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