pewe
|
| posted on 20/2/07 at 03:04 PM |
|
|
Insurance query
My son was forced to brake hard whilst on the M6 last w/end but managed to stop. Dozy cow behind thumped him up the back end causing £1k worth of
damage to his car. Question is does he put it through his insurance (Elephant) or deal with her insurers direct?
Will it affect his NCB either way?
What do you guys think?
Cheers, Pewe.
|
|
|
|
|
zxrlocost
|
| posted on 20/2/07 at 03:16 PM |
|
|
if someone goes into the back of you it is always there fault
he should have all her details and phone his and her insurance company
no ncb affected
ta chris
|
PLEASE NOTE: This user is a trader who has not signed up for the LocostBuilders registration scheme. If this post is advertising a commercial product or service, please report it by clicking here.
|
Hammerhead
|
| posted on 20/2/07 at 03:17 PM |
|
|
person behinds fault. Thats the way it works, they should maintain a safe distance behind at any speed to allow for the car in front to emergency
stop.
imho
|
|
|
Humbug
|
| posted on 20/2/07 at 03:19 PM |
|
|
He has to go through his insurance company...they should get all the details from your son and deal with her insurance co re liability, payment, etc.
|
|
|
DarrenW
|
| posted on 20/2/07 at 03:36 PM |
|
|
I didnt go through my insurance when we were hit 6 months back. I told them but when i contacted BMW bodyshop they put me onto their accident
management company who dealt with the claim direct to the other persons insurance. I was then able to tell my insurance company i wasnt going through
them.
I believe that even the the BMW bodyshop is from the main dealer they deal with repairs for any make. Its worth contacting such a bodyshop to see if
they do the same. Best thing for me was they defo do like for like courtesy vehicles. They managed to get me a 320D SE Tourer (newer model than mine)
but when i said i didnt want the auto they could get quickly they then let me have a X3 which was great.
As said before i think legally you have to inform your company but you dont have to claim through them.
|
|
|
twybrow
|
| posted on 20/2/07 at 04:30 PM |
|
|
quote:
Originally posted by zxrlocost
if someone goes into the back of you it is always there fault
My understanding was that is the case, unless the person behind argues that you braked unexpectedly hard or when not really required. If that is the
case then she would need someone to back her up so i think your son would be safe either way.
I was in a car that went into the back of someone, but it was not the driver of my car that had to cough up! Driver in front slammed his brakes on
when he caught sight of a filter light and panicked!
|
|
|
pewe
|
| posted on 20/2/07 at 05:13 PM |
|
|
No doubt it was her fault - he had managed to stop - typical Sat. afternoon all nose to tail though he must have allowed enough distance as he
didn't hit the one in front. Thanks for the advice guys I'll pass it on to him.
Cheers, Pewe
|
|
|
russbost
|
| posted on 20/2/07 at 05:40 PM |
|
|
Only way it will affect his NCB is if she's uninsured, you might still be able to claim off her even if uninsured if he has the legal extension
on his policy
I no longer run Furore Products or Furore Cars Ltd, but would still highly recommend them for Acewell dashes, projector headlights, dominator
headlights, indicators, mirrors etc, best prices in the UK! Take a look at http://www.furoreproducts.co.uk/ or find more parts on Ebay, user names
furoreltd & furoreproducts, discounts available for LCB users.
Don't forget Stainless Steel Braided brake hoses, made to your exact requirements in any of around 16 colours.
http://shop.ebay.co.uk/furoreproducts/m.html?_dmd=1&_ipg=50&_sop=12&_rdc=1
|
NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
|
craig1410
|
| posted on 20/2/07 at 10:51 PM |
|
|
As said you'll need to go through your insurer who will claim from her insurer. Your NCD will only be preserved if your insurer can claim back
all costs from the other insurer but in these circumstances this seems likely.
Good luck,
Craig.
|
|
|
