Thanks for useful response. When I had a contested 50/50 scrape in
a car park last year it was dealt with very helpfully by my insurers,
Zurich, without any recourse to DA. They used their own selection
of law firm, AFAICT. It would appear that the high premium I pay
is perhaps worth while, after reading some of the horror stories which a
search on DA has thrown up for me.
I will be writing to Zurich to reassure myself that they will never use
DA on my behalf.
My recent experience seems to have been a narrow escape from them.
I reversed a few feet on a main road to let a car out from a parking
area for which I was heading, and unfortunately made contact with a car
which had drawn up behind me.
A close examination of both vehicles did not reveal any visible damage,
and I exchanged name and phone details with the other party, a very
pleasant young lady, who I will call "T".
Less than two hours after the shunt I had a message on my answer phone
from DA. They also called the following morning, and the gist of the
conversation was them trying to get me to admit responsibility:
"Would you give me your version of the events of this collision"?
I asked who they were and they said they were a "Reporting Agency for an
I refused to answer any questions and said that I would take advice from
my insurance company.
I was dismayed at this, because it was at odds with my judgement of
Next evening, before calling my insurers, I called her, and she
immediately said "Oh everything's fine, I had the car checked for
structural damage and it was declared sound by a garage owned by a
family member; he spotted a couple of scratches and fixed them free of
I asked how DA had become involved, and she told me she reported the
bump to Swinton, her insurers, and was then called by DA who offered her
a courtesy car. She told them that she did not require their
services at that stage and later instructed them to drop the matter.
Small wonder that insurance costs escalate...
Of course I must add for the sake of balance that DA probably do a great
job in some cases. ;-)