Insurance claim advice

[EFCPlastic]

Hi all, I’m not clear on the process, so looking for advice.

Today I was driving down my road when a car pulled out on me perhaps 10 meters in front. I broke, but still collided and now I have some damage to the front side of the car, bodywork only.
We exchanged details and she admitted liability.
She’s just called me however, and she has SDP insurance only, but as she was working at the time (delivering pizzas) apparently her work insurance covers it. She said she can’t give me the details and her manager needs to call me.
Anything I need to do / say in this scenario? I already reported the accident to my insurer, but it seems like she won’t be covered and I need to get these business insurance details. Any help gladly accepted. I want any work carried out by Porsche, so I hope I don’t have a fight on my hands! Thanks.

 

[Scrounger]

I've had a similar discussion with my Son as he works at a local fast food restaurant and has been asked to collect stock from another store. I've told him he should not agree to do it as he's not insured (similar SDP only). Doesn't help in your case I'm afraid but the only advice I can give is go into the store and speak to the manager face to face. Ask for all the insurance details they have including a copy of their policy that states their delivery drivers are covered by the company insurance. If the manager is resistant and it's a well known food chain, you could always take it to head office and discuss with them.

Did your insurance company give you any idea what they need to make the claim?

 

[EFCPlastic]

Thank you, yes it’s a well known pizza company. I have motor legal protection so I guess if the conversation becomes difficult I could just hand it across to them, but it’s all a bit of a pain!
I’m waiting for a call from the manager, where I hope to get insurance details I can give these to my own insurer. Can’t imagine they can argue against this request, but we’ll see..

 

[Greenman986S]

Claim from her.

She can't have 2 policies on the same car so her claim "work covers her" is BS plain and simple.

Inform the police, telling them the other driver doesn't have appropriate insurance

And tell your insurance company - you pay them to sort this #%* out.

 

[BrianJ]

She has committed an offence by not having insurance. Police job. I would be surprised if her conditions of employment didn’t include that she must have appropriate insurance like any other properly insured business user, in which case the employer would have no responsibility. Most car policies these days include not being penalised for being hit by uninsured drivers so you may be ok on that score. Good luck.