I Am Alone By Nat West


........pouring with rain jim.....waiting to join the M25 from J* roundabout and the white van in front of me stalled and ran back into me......0 mph impact.....but his 3' long home made tow bar of Dexion angle iron went through my Astra's front bumper and punctured the aircon system.....hopped out, exchanged names, numbers etc in the pouring rain - no witnesses of course - and he said he was sorry but the load of paving blocks he had just picked up caused his problem on the slope and the rain etc......and that was that. Contacted RAC insurance who put my car right and dealt with the claim. Six months later, white van mans solicitors letter arrived claiming that I had rear ended the van and court action threatened. Letter sent off to the RAC as instructed, heard no more. 4 months later, another solicitors letter arrived claiming loss of earnings for the driver due to my bad driving and again court action threatened. Letter sent off to the RAC yet again, heard no more. Went to renew insurance through RAC 2 months later and what a price shock! Seems on my behalf they paid out for the van being written off in the accident and all medical bills that had been submitted along with loss of earnings.......not once contacting me because I had full comp and fully protected no claims cover.....what a total rip off. Outcome was to change insurers.......and make sure that should I ever be unlucky enough to have an accident I follow it through with legal counsel, which you are paying for of course. Fully understand your annoyance.......insurance is something that is needed but abused when claims are made!...whinge over...