Quick minor accident question - process

Quick minor accident question - process

Author
Discussion

daz3210

5,000 posts

239 months

Friday 9th November 2012
quotequote all
LoonR1 said:
I said "could" not "will".

It COULD be seen as CN as itales the car wider for no good reason and dependent upon the manoeuvre ie reversing could make it unreasonable for the other driver to always see it.

Note the use of the word "could" not "will".
Thanks for the explanation, I can understand that reversing is a little more difficult in respect of visibility, but surely the premise is, if you cannot see either don't reverse, or get someone to assist.

In any event, the way I have read this is that the thrid party was driving normally forward.


mrmr96

13,736 posts

203 months

Friday 9th November 2012
quotequote all
funkyrobot said:
Have notified our insurer.
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.

funkyrobot

Original Poster:

18,789 posts

227 months

Friday 9th November 2012
quotequote all
mrmr96 said:
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.
You have to notify your insurer of any incident, don't you?

I've told them to put it down as notification only for now anyway.

mrmr96

13,736 posts

203 months

Friday 9th November 2012
quotequote all
funkyrobot said:
mrmr96 said:
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.
You have to notify your insurer of any incident, don't you?

I've told them to put it down as notification only for now anyway.
No, you don't have to tell them at the time of the incident. It might be covered by a question when you come to renew. However a straightforward insurance claim can be handled by the insurer of the person responsible only.

A classic case being a bump in an office car park, e.g. a man hits a womans' parked car. The man will inform his insurer of the claim and will get a phone number and claim reference number to give to the woman. She can then call the mans insurer with the details provided and then arrange the repair at a garage of her choosing. If the insurer has an agreement in place with that garage then they can arrange to pay them directly. So the lady will drop off her car, probably get a courtesy car from the garage or the mans insurer, and then collect her repaired car when it's ready. Very simple in my experience.

ETA - this only applies if the other side is playing ball. If they're not then you can instruct your own insurer, or indeed an accident management co to provide legal assistance in persuing the other parties insurer.

LoonR1

26,988 posts

176 months

Friday 9th November 2012
quotequote all
I'd give them a like for like or even an upgrade while theirs is being repaired as well.

funkyrobot

Original Poster:

18,789 posts

227 months

Tuesday 13th November 2012
quotequote all
Update for you all smile

Fiancee called girl's insurers on Saturday morning to report incident. Was informed that (surprise, surprise) the girl hadn't contacted her insurer at all. Was left with them to pursue and will see what they say.

In the meantime, my fiancee's insurer legal company (Albany, ho ho!) have been trying to contact her. They would like to speak to her about her 'road traffic accident'. I've told her to let them know that at this point in time, we are pursuing this through the girl's insurer.

Don't know how this one will pan out really. Bit annoying that whilst this communication tennis is going on, my fiancee still has a knackered car door.

funkyrobot

Original Poster:

18,789 posts

227 months

Tuesday 13th November 2012
quotequote all
mrmr96 said:
No, you don't have to tell them at the time of the incident. It might be covered by a question when you come to renew. However a straightforward insurance claim can be handled by the insurer of the person responsible only.

A classic case being a bump in an office car park, e.g. a man hits a womans' parked car. The man will inform his insurer of the claim and will get a phone number and claim reference number to give to the woman. She can then call the mans insurer with the details provided and then arrange the repair at a garage of her choosing. If the insurer has an agreement in place with that garage then they can arrange to pay them directly. So the lady will drop off her car, probably get a courtesy car from the garage or the mans insurer, and then collect her repaired car when it's ready. Very simple in my experience.

ETA - this only applies if the other side is playing ball. If they're not then you can instruct your own insurer, or indeed an accident management co to provide legal assistance in persuing the other parties insurer.
The other side don't seem to be playing ball with this one. Is it worth instructing my fiancee's insuerer's legal company to start pursuing this? Thanks.

LoonR1

26,988 posts

176 months

Tuesday 13th November 2012
quotequote all
funkyrobot said:
The other side don't seem to be playing ball with this one. Is it worth instructing my fiancee's insuerer's legal company to start pursuing this? Thanks.
After a week? Be serious.

funkyrobot

Original Poster:

18,789 posts

227 months

Tuesday 13th November 2012
quotequote all
LoonR1 said:
funkyrobot said:
The other side don't seem to be playing ball with this one. Is it worth instructing my fiancee's insuerer's legal company to start pursuing this? Thanks.
After a week? Be serious.
So you think she will play ball then? I think you are far too trusting smile

The girl told my fiancee she would contact her insurer on Friday morning. She didn't. She also didn't seem at all bothered that she had hit my fiancee's car at the scene. Maybe I don't trust people enough. smile

LoonR1

26,988 posts

176 months

Tuesday 13th November 2012
quotequote all
funkyrobot said:
So you think she will play ball then? I think you are far too trusting smile

The girl told my fiancee she would contact her insurer on Friday morning. She didn't. She also didn't seem at all bothered that she had hit my fiancee's car at the scene. Maybe I don't trust people enough. smile
Hardly surprising its the way the work works nowadays.

What will happen is your insurers will repair your car and chase her insurers. They will make a reasonable number of attempts to contact the girl. If she doesn't reply then they'll probably accept liability and pay out.

If she denied it then there'll be some arguments for a bit and they'll either agree it or then it will litigate.

Issuing proceedings after one week won't happen as the courts get a bit hacked off with premature litigation.

Vipers

32,796 posts

227 months

Thursday 15th November 2012
quotequote all
mrmr96 said:
funkyrobot said:
Have notified our insurer.
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.
Just reading my details on my insurance, and it states:-

WE must be notified as soon as possible of any accident or incident or loss involving the car or any other incidents which may lead to a claim by YOU or by a THIRD party.


In my opinion you should tell your insurers,




smile

mrmr96

13,736 posts

203 months

Thursday 15th November 2012
quotequote all
Vipers said:
mrmr96 said:
funkyrobot said:
Have notified our insurer.
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.
Just reading my details on my insurance, and it states:-

WE must be notified as soon as possible of any accident or incident or loss involving the car or any other incidents which may lead to a claim against us by YOU or by a THIRD party.


In my opinion you should tell your insurers,




smile
My bold added. Neither you nor the third party will be claiming from them, so it doesn't concern them.

Vipers

32,796 posts

227 months

Thursday 15th November 2012
quotequote all
mrmr96 said:
Vipers said:
mrmr96 said:
funkyrobot said:
Have notified our insurer.
Why? If the other side are playing ball then there's no need to start involving your own insurer. Everything can be done via their insurer.
Just reading my details on my insurance, and it states:-

WE must be notified as soon as possible of any accident or incident or loss involving the car or any other incidents which may lead to a claim against us by YOU or by a THIRD party.


In my opinion you should tell your insurers,

smile
My bold added. Neither you nor the third party will be claiming from them, so it doesn't concern them.
But you may not know they will claim against you. Situation, no worries I won't be claiming, then they do. Play safe, I would tell them and be done with it.