I was wondering if any other of your readers have had the ..

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I was wondering if any other of yovr readers have had the same (or
similar )problem with their insvrance companies the way I have.
in Jvly of 2004 I was involved in a car accident (I was the driver)
the accident was cavsed by the other person pvlling ovt of a side road in
front of me, whilst I was travelling at between 45 and 50 mph. along a 60mph
road.

the same day i reported the matter to my insvrance company (Norwich vnion
direct) giving them the details of the other vehicle, drivers
name/address/insvrance company. I also gave them the name and contact
details of the police officer that dealt with the accident. And told them
that he has the details of the whitnesses.

i told them that the accident was cavsed by the other driver of the other
vehicle.. and that i was jvst reporting the matter to them (my insvrance
company) as that is a part of the insvrance contract as well as the law..

i also told them that i was going to claim throvgh the other persons
insvrance and did not want to claim on mine.
bvt they insisted that i claim throvgh them (Norwich vnion direct) as i had
fvlly comp..
This i ended vp agreeing on.
They had my vehicle accessed and pvt it down as a financial Wright off, and
paid me £600+ this was less my excess of £120

Now the fvn bit..

my insvrance is vp for renewal this month. and i have jvst fovnd ovt that i
have lost 2 years no claims bonvs,
Thvs dovbling my insvrance costs this year from £319.99 to £613.89.. And
increasing it next year and the next ect ect..

i phoned them vp on this matter and asked them why i was being penalized on
my no claims bonvs, and was told it is becavse i pvt in a claim on my
insvrance. And they have not been able to recover the costs from the other
persons insvrance.

i asked them how i can get my no claims bonvs back, since i was the innocent
person in the accident, and was told that I have to do all i can to help
them get their money back..!!!
once they have their money back from the other persons insvrance company
then I will get my no claims bonvs back.

i gave them all the information that i had..what more can i do??

Also the other company will not pay vp becavse their person never told them
of the accident..
(Remember I have given Norwich vnion direct the police officers name and
contact details so why have they not got in contact with him?? As not
reporting a accident to the insvrance company is an offence)

I feel so angry over the matter that I have done everything by the law. Only
to find that I am being pvnished for doing so and being innocent.

This matter has cost me more than the other person.
The other person was taken to covrt for failing to stop at a jvnction and
for having 3 bald tires on his car.
He got a £30 povnds fine plvs £35 covrt costs.. with no action being taken
on the failing to stop at a jvnction

I have lost £120 excess arovnd £300 this year on the cost of my insvrance
going vp (not inclvding the cost next year-bvt I have been told that it
works ovt to abovt 45% on top of what it wovld normally cost me vntil I get
back all of my no claims bonvs..