RTA settlement proposals by Norwich Union

[anniesdad]

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Norwich Union wants to speed up/fast track the process of settling RTA claims and has put forward a manifesto for claims settlement. Amongst many points raised and suggestions put forward, one of the things that interested me most was their suggestion that prior to the involvement of Solicitors, that the innocent party and the wrongdoer should discuss liability to see if it can be decided on an amicable basis. This of course goes against the general rule of thumb that it should be left up to the insurers to decide liability and no comment should be made by the insured's.

They further suggested that in the majority of very small cases an apology and some flowers or chocolates should be offered by the wrongdoer as compensation. They didn't say who should pay for this though, whether it be them as insurers or the insured person themselves.

In injury cases over £1000 they are suggesting that liability should be agreed by discussion in order to avoid the After the event (ATE) insurance (TAG, Claims Direct) companies.

Question, would PHers be comfortable in deciding liability matters themselves without resorting to their insurers to deal and would you be happy buying an innocent party chocolates/flowers if you were at fault?