Unacceptable Handling of Third-Party Claim – No Assessment Conducted

I am extremely disappointed with the way Outsurance has handled my third-party claim.

Their client was clearly at fault in an incident that resulted in damage to my vehicle. Despite this, Outsurance has refused to accept liability — not based on any proper assessment or factual evidence, but purely on assumptions and hearsay.

Firstly, no physical assessment of either vehicle has been conducted by Outsurance. Yet they claim they are unable to quantify the damage because of “pre-existing damage” on my vehicle. I challenge this completely — how can they make such a statement without even inspecting the vehicle?

Secondly, they keep referring to a “pre-existing bump” that I supposedly acknowledged at the scene. I have no knowledge of any such damage, and I never agreed to or confirmed anything of the sort. This repeated narrative appears to be fabricated to avoid accountability.

Furthermore, I provided Outsurance with a prior vehicle assessment — done before the incident — to assist in establishing the actual condition of my car. I requested that they point out where this so-called pre-existing damage appears. Unsurprisingly, they’ve failed to do so.

Outsurance’s handling of this matter has been dismissive and unprofessional. As a third party, I expected a fair and objective process. Instead, I’ve received nothing but excuses.

I demand that this claim be properly reassessed with an independent inspection and clear justification for the rejection