ned
|
| posted on 5/10/07 at 11:20 AM |
|
|
Insurance claim question
A couple of weeks ago I backed into another car (my fault). Damage was minimal (doing less than 2mph, concentrating on front wheel coming off a kerb
than what was behind me DOH!), Repair cost is less than my excess imho (foglight removable non body coloured plastic grill cracked and rubber towball
cover mark on bumper paintwork to polish out). I offered to cover all costs for a professional dealer repair as it wouldn't be very much but the
guy who came out was an arse, said he didnt' want the hassle (I can understand this, his perogative) and insisted on putting it through
insurance so I duly exchanged details for him to claim off my 3rd party (on my fully comp policy).
I've just had the female owner of the car on the blower telling me that she's without a car as i haven't reported it to my insurers?
I thought it a bit odd as if her insurance want to claim off my 3rd party then they'd talk to my insurance co who would write to/call me to
confirm events/liability (which i haven't heard from at all). I can understand she might not have courtesy car cover on her fully comp and would
have to claim that off me, but me not having reported it (as if i choose not to claim on my ins. to fix my car i wouldn't need to contact them
until they write to me to confirm liability surely?)
Based on what people have said in the past this is the sort of thing you pay your insurance for - ie the service! I exchanged details at the scene so
have not done anything wrong and her ins called me to confirm my car reg that they had down wrong and I gave them the info they were after. I
haven't lied or omitted anything at any time.
Does this make sense? Have i got it wrong in not having reported it directly myself to my insurers?
cheers,
Ned.
beware, I've got yellow skin
|
|
|
|
|
DarrenW
|
| posted on 5/10/07 at 11:42 AM |
|
|
Im no expert but my understanding was thot both parties should report the accident to their own insurers and complete the claim / accident report
forms (or whatever the insurance company may need).
If the claim was being held up because you havent reported it then as you say im surprised your insurer hasnt been in touch with you directly.
Have a check of your policy doc and see what it says ref reporting etc. It should be in there somewhere.
|
|
|
Paul TigerB6
|
| posted on 5/10/07 at 11:47 AM |
|
|
Worth speaking to the legal section if you have legal protection on your policy. If the cost is as low as you think then you might be able to prevent
a claim going against you by coughing up directly.
|
|
|
Dangle_kt
|
| posted on 5/10/07 at 12:05 PM |
|
|
i'd always contact my insurance company too. Just closes down the possibilty of any complications (like your getting now)
It doesnt take long, and will prolly be easier in the long run, and easier than posting / reading replies on here.
You know it was your fault, so nothing to loose out on really...
|
|
|
caber
|
| posted on 5/10/07 at 12:11 PM |
|
|
You are deffinitely supposed to report an accident to your insurers irrespective if you are claiming or not. As they don't want to pay out they
will use this as a delaying tactic against the 3rd party claim, I have had this from both sides over the years it is pretty annoying as it is a bunch
of form filling that takes time!
Caber
|
|
|
Alez
|
| posted on 5/10/07 at 12:27 PM |
|
|
I agree with all other posts, you are definitely causing trouble to the other driver, as she won't get the car repaired until your insurer
states they are happy to pay, and that doesn't happen until you tell them officially that the accident actually took place. To your insurer, if
you are not signing that it happened, then it didn't happen (unless you are sued and there's any witness but that's a different
story). I've had a lot of trouble twice in the past (I was hit the two times).
Go report man!
Cheers,
Alex
|
|
|
Alez
|
| posted on 5/10/07 at 12:30 PM |
|
|
Plus I bet that, if you read your policy contract carefully, you will see that you MUST report any accidents promptly, no matter who is paying,
who's fault it was or anything, any accidents as in any accidents 
[Edited on 5/10/07 by Alez]
|
|
|
ned
|
| posted on 5/10/07 at 12:56 PM |
|
|
I think the other party is irritated because they've left their car with a garage for repair and I'm guessing don't have a courtesy
car on their fully comp policy (and haven't had confirmation from my insurer that they'd cover the cost yet as I've not reported it)
that they'd have claimed off my insurance.
I will report it of course, don't have an issue with and as previously stated am going to admit liability, just found it odd that her ins
company were telling here that me not reporting it were holding things up. Thought that's what you paid them for..
Ned.
beware, I've got yellow skin
|
|
|
theconrodkid
|
| posted on 5/10/07 at 06:47 PM |
|
|
shirley if its cosmetic damage there is no need to leave it at a garage and her being without a car is her own stupid fault,tell her to go swivel 
who cares who wins
pass the pork pies
|
|
|
mistergrumpy
|
| posted on 5/10/07 at 07:17 PM |
|
|
Another reason not to give your phone number out at accidents. Only name address and reg need to be given. As far as anyones concerned I don't
have a phone, thus stopping mithering calls. All in goodwill mind but I don't appreciate being nagged at home.
|
|
|
oadamo
|
| posted on 5/10/07 at 08:15 PM |
|
|
someone hit the back off me and because he hadnt told his insurance its all taken about 6 months so far. and now my solicitor has sent his insurance
a letter saying pay or go to court.
adam
|
|
|
