CLM-2026-04871
Ms. Adaeze Okafor
BMW 320d M SportLR21 KMX·Non-fault RTC · 12 Jun 2026Outstanding Docs
01
FNOL
02
Triage
03
Financial Assessment
04
Live Claim
05
Outstanding Docs
06
Payment Pack Review
07
Sent to Third Party
08
Pre-Litigation
09
Live Litigation
Visible to internal team · logged to audit
All activity
Email
SMS
WhatsApp
Calls
Documents
System
Payment pack sent to AvivaEmailOutgoing
Sent by you to claims@aviva.co.uk · ref TP/88213
Non-fault claim — payment pack — Okafor v. policyholder
Please find enclosed our client's payment pack comprising 14 documents including engineer's report, hire agreement and schedule of loss. We look forward to your response within 21 days…📎 14 attachments
Ms. OkaforWhatsApp
Client confirmed she is still in the courtesy car.
"Still in the courtesy car, thanks. When do you think it'll all be sorted?"
Engineer's report generatedDocument
Total loss confirmed · pre-accident value £14,250
Engineers_Report_LR21KMX.pdf
1.2 MB · generated from templateCall with client — 4m 12sCall
Confirmed £250 excess and that hire is ongoing. Client happy with progress.
Moved to Outstanding DocumentsSystem
Automatic transition — Live Claim requirements met. 3 documents still outstanding for pack.
Letter of claim issuedEmail
Sent to at-fault insurer under the pre-action protocol.
SMS — hire vehicle allocatedSMS
"Hi Adaeze, your courtesy car (Ford Focus, RK71 ZXP) is booked for collection today. — ARC"
Claim opened — FNOL capturedSystem
First notification of loss recorded by Danielle Reeves. Referred by Meridian Motors.
Reserve
£23,648
5 heads of loss
Paid
£620
storage settled
Recovered
£0
pack with Aviva
Outstanding
£23,028
from third party
Schedule of loss
Draft — under review| Head of loss | Basis | Claimed | Status |
|---|---|---|---|
| Vehicle — total loss | PAV less salvage | £14,250.00 | Agreed |
| Credit hire | 42 days @ £84/day | £3,528.00 | Ongoing |
| Recovery & storage | Invoiced & paid | £620.00 | Paid |
| Policy excess | Paid by client | £250.00 | Agreed |
| Personal injury | Reserved — medical pending | £5,000.00 | Reserved |
| Total reserve | £23,648.00 | ||
Transaction ledger
CLM-2026-04871| Date | Description | Type | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 12 Jun | Reserve opened — vehicle | Reserve | — | £14,250 | £14,250 |
| 13 Jun | Hire commenced — Ford Focus | Reserve | — | £3,528 | £17,778 |
| 18 Jun | Recovery & storage invoiced | Reserve | — | £620 | £18,398 |
| 20 Jun | Storage invoice paid — Apex | Payment | £620 | — | £18,398 |
| 24 Jun | Reserve increased — injury | Reserve | — | £5,000 | £23,398 |
| 08 Jul | Excess refunded to client | Adj | — | £250 | £23,648 |
| Net exposure (outstanding) | £620 | £23,648 | £23,028 | ||
Recovery status
Pack sent- Third-party insurer
- Aviva
- Their reference
- TP/88213
- Pack sent
- Today 09:41
- Response due
- 14 Aug 2026
- Days outstanding
- 0 / 21
Response window0 / 21d
Reserve movement
Our client
AO
Ms. Adaeze Okafor
Claimant · non-fault
- Phone
- 07700 900142
- a.okafor@email.com
- Vehicle
- BMW 320d · LR21 KMX
- Referred by
- Meridian Motors
At-fault party
TP
Mr. D. Harding
Third party · liability admitted
- Insurer
- Aviva
- Their ref
- TP/88213
- Vehicle
- Vauxhall Astra · BV18 NYU
- Liability
- Admitted