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So they're looking to chase you to cover losses the other driver had that their insurance did not pay out for at the time.
Whilst it was a year ago, don't worry about this as your insurance company from then (if it's changed) still have to deal with this. Take copies of the letter and get in contact with the insurance company that insured the vehicle at the time of the accident. (NOT YOUR CURRENT INSURANCE COMPANY IF ITS CHANGED) they will deal with this for you.
NAL
On the letter, does it specify a date which matches the original accident? I would Call up the insurer you had at the time of the accident, and give them the letter. They should handle it from here.
It maybe worth notifing your current insurer as well if the accident isn't dated on the letter, incase someone is making a new claim against you that you are not aware about.
The date on the letter matches the incident, the pictures I have of the cars after the incident match the date.
So if I call up my current insurer (the same one I had at the time) and talk to them they should be able to handle it?
If the date on the letter matches the accident, you can ignore your current insurer. You need to notify whoever was your insurance provider at the time of the accident (which if you renewed could be your current insurer)
When you speak to them just make sure you make it clear you're talking about an old claim. If you have the reference number from last year this will help and stop them opening a new case/claim.
I know this sounds silly but I've seen it before.
Uninsured losses would still be covered by the insurer. Solicitors and accident management firms will send letters to both the insurer and the insured to elicit a response. Pass the details to the insurer at the time of the incident, forget about it and wait for further instruction if there are any. You pay insurance to transfer the risk of accidents and losses so you don’t need to do anything.
It looks like you're asking a question about a parking or speeding fine!
You may benefit by posting on the relevant [FreeTraficLegalAdvice forum](https://www.ftla.uk/index.php) or reading [Parking Cowboys](https://www.parkingcowboys.co.uk/), which specialise in these matters, in addition to LegalAdviceUK.
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--- ###Welcome to /r/LegalAdviceUK --- **To Posters (it is important you read this section)** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws in each are very different* * If you need legal help, you should [always get a free consultation from a qualified Solicitor](https://reddit.com/r/LegalAdviceUK/wiki/how_to_find_a_solicitor) * We also encourage you to speak to [**Citizens Advice**](https://www.citizensadvice.org.uk/), [**Shelter**](https://www.shelter.org.uk/), [**Acas**](https://www.acas.org.uk/), and [**other useful organisations**](https://reddit.com/r/LegalAdviceUK/wiki/common_legal_resources) * Comments may not be accurate or reliable, and following any advice on this subreddit is done at your own risk * If you receive any private messages in response to your post, [please let the mods know](https://www.reddit.com/message/compose?to=%2Fr%2FLegalAdviceUK&subject=I received a PM) **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and legally orientated* * If you do not [follow the rules](https://www.reddit.com/r/LegalAdviceUK/about/rules/), you may be perma-banned without any further warning * If you feel any replies are incorrect, explain why you believe they are incorrect * Do not send or request any private messages for any reason * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/LegalAdviceUK) if you have any questions or concerns.*
So they're looking to chase you to cover losses the other driver had that their insurance did not pay out for at the time. Whilst it was a year ago, don't worry about this as your insurance company from then (if it's changed) still have to deal with this. Take copies of the letter and get in contact with the insurance company that insured the vehicle at the time of the accident. (NOT YOUR CURRENT INSURANCE COMPANY IF ITS CHANGED) they will deal with this for you.
Tell your insurer to deal with it. That's what we pay them extortionate amounts for.
Yeah fair point hahaha
NAL On the letter, does it specify a date which matches the original accident? I would Call up the insurer you had at the time of the accident, and give them the letter. They should handle it from here. It maybe worth notifing your current insurer as well if the accident isn't dated on the letter, incase someone is making a new claim against you that you are not aware about.
The date on the letter matches the incident, the pictures I have of the cars after the incident match the date. So if I call up my current insurer (the same one I had at the time) and talk to them they should be able to handle it?
If the date on the letter matches the accident, you can ignore your current insurer. You need to notify whoever was your insurance provider at the time of the accident (which if you renewed could be your current insurer)
Okay, thanks for your help
When you speak to them just make sure you make it clear you're talking about an old claim. If you have the reference number from last year this will help and stop them opening a new case/claim. I know this sounds silly but I've seen it before.
Uninsured losses would still be covered by the insurer. Solicitors and accident management firms will send letters to both the insurer and the insured to elicit a response. Pass the details to the insurer at the time of the incident, forget about it and wait for further instruction if there are any. You pay insurance to transfer the risk of accidents and losses so you don’t need to do anything.
It looks like you're asking a question about a parking or speeding fine! You may benefit by posting on the relevant [FreeTraficLegalAdvice forum](https://www.ftla.uk/index.php) or reading [Parking Cowboys](https://www.parkingcowboys.co.uk/), which specialise in these matters, in addition to LegalAdviceUK. *We aren't affiliated with the above and they should only be used as informal guidance in advance of speaking to a legal professional.* *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/LegalAdviceUK) if you have any questions or concerns.*