scootz
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| posted on 4/12/09 at 02:28 PM |
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Insurance Claim
Well, following getting spanked a couple of weeks ago, I'm going to need a new bumper at £400. The accident repair centre advised me not to
deal directly with the other driver as it could complicate matters if they discover any further damage once they remove the bumper and insurance has
to get involved.
Not been involved in a bump for ages... is this good advice???
Also, as I was absolutely not at fault (stationary in queue and spanked in the rear... ooooh missus!) and have witnesses (other driver was alone), do
I still raise the matter first with my Insurance Co and have them handle the matter with his insurers, or do I go direct to his Insurers myself?
Finally, I will have to disclose this in future as a non-fault accident (hopefully with all costs recovered from other party), I know it's not
supposed to affect future quotes, but in reality will it make a difference to future prices????
Ta muchly!
It's Evolution Baby!
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l0rd
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| posted on 4/12/09 at 02:37 PM |
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Yes
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cd.thomson
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| posted on 4/12/09 at 02:40 PM |
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quote:
Originally posted by l0rd
Yes
and the prize for least helpful answer goes to...
followed closely by
Q = "Would you like a, b or c"
A = "Both"
Craig
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Charlie_Zetec
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| posted on 4/12/09 at 02:41 PM |
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I can't comment on a lot of your questions, but I do know for a fact that even though you were stationary and not at fault, you will have to
declare this to your insurance company, and it CAN IN CERTAIN CIRCUMSTANCES have an impact on your premium.
To give you an idea, my dad was taking my brother to the rugby about 18 months ago, and when he stopped at a junction, the woman behind, well,
didn't. Was not a major accident, although he was in his runabout at the time and it was no great loss to motoring to see the old Volvo go.
He claimed off the other woman's insurance, as the car was written off (Cat C, uneconomical to repair), and hers needed a new front end.
Neither my brother or dad were hurt, just a bit shaken up at the time. My brother later got a slightly sore back and it was suggested that he might
receive a small, nominal amount for discomfort associated with the smash, but he was told that he wouldn't get anything unless he went the whole
hig and claimed for whiplash!
In the end, my old man got the money for the car (after negotiating/haggling/persuading it's market value), and everything was sealed. However,
when it came to renewing my insurance policy a few months later, I was warned that I'd supplied false information, and that one of the named
drivers had been involved in an accident and I had failed to declare it. I told them that he was not at fault, and all blaim was laid and agreed to
lie with the third party by both insurance compnaies, but in the words of the broker "statistics show that people involved in accidents are more
likely to be involved again in the future - they become more nervous drivers". They hiked my premium up by just ofer £50, and I ended up
cancelling and going with someone else.
When I did renew with a different company, I told them about the accident but said that my parents were only on the policy as they used my car for
towing things very occasionally (joys of towbar), and that both had their own regular everyday vehicles. And they noted it, but it made no difference
to my premium.
So, DO declare everything, else if you're involved in another accident then I guarantee they'll use the alleged "false
information" or "failure to disclose" line as a getout clause for any payouts.
[Edited on 4/12/09 by Charlie_Zetec]
Artificial intelligence is no match for natural stupidity!
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GMPMotorsport
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| posted on 4/12/09 at 02:56 PM |
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Having been through this I would definately had it over to your insurance company and let them sort it out, it is never easy and people IMHO have a
habbit of changing their story!
www.gmpdevelopments.co.uk
www.gmpmotorsport.co.uk
ARDS Instructer.
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l0rd
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| posted on 4/12/09 at 02:57 PM |
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quote:
Originally posted by cd.thomson
quote:
Originally posted by l0rd
Yes
and the prize for least helpful answer goes to...
followed closely by
Q = "Would you like a, b or c"
A = "Both"
Why????
It is exactly what Charlie_Zetec said in one word 
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Charlie_Zetec
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| posted on 4/12/09 at 03:01 PM |
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I like the elaboration, detracts from work!
Effectively, that means I'm being paid to be on locostbuilders, and essentially for my opinion!
God help the future of this country....
Artificial intelligence is no match for natural stupidity!
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scootz
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| posted on 4/12/09 at 03:23 PM |
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Cheeeeers!
It's Evolution Baby!
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scootz
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| posted on 4/12/09 at 03:24 PM |
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Hate dropping people in the sh*t (especially at this time of year), but I'll be b*ggered if I'm left paying for damage that could so
easily have been avoided!
It's Evolution Baby!
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gregs
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| posted on 4/12/09 at 04:20 PM |
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and unfortunately you will be hit when you renew as you have to declare it as a non-fault....
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mangogrooveworkshop
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| posted on 4/12/09 at 04:55 PM |
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Wife has been crashed into 3 times.......Ive ended up selling the nice car that got crashed into 2 x 1 was a write off.
WE moved to bangernomics now nobody wants to hit it.
400 quid for a bumper sounds a little low as smartie cost 650 for the lot. The bumper was only 150 but once they factored in the stripdown spray to
correct matched colour and re-assemble ect.
Ps in a no fault accident you should get a hire car till yours is sorted.
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MikeRJ
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| posted on 4/12/09 at 06:16 PM |
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Personally I wouldn't involve your insurance company at all*, having one insurance company deal with another one just seems to increase the
chance of delays, and if you put a claim through your insurance company, it will affect your NCB until they recover costs from the third party
insurer.
I had the misfortune to have my renewal arrive shortly after I made the mistake of going through my own insurers for a no fault claim and it took over
a year to get the difference in premium refunded due to my (temporary) loss of NCB.
Either go direct to third party insurer or use an accident management company, though it hardly seems justified in such a simple case.
*You do have to notify them, and it's entirely possible your premium will go up slightly as the result of a no fault claim. Robbing
b'stards.
[Edited on 4/12/09 by MikeRJ]
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Brook_lands
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| posted on 4/12/09 at 09:06 PM |
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Similar thing happened to me last year. £500 to fix mine, £3,000 to fix the Audi Q7 that hit me. Other driver worked for a local bodyshop. As it was
their fault they took my car away, gave me a brand new car for 2 weeks while mine was fixed - not an insurance claim in sight as a slow speed bump and
no personal injury. Declared no fault no claim accident when I renewed my insurance and it jumped 10%. Guess you never win.
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