car accident insurance question

car accident insurance question

Author
Discussion

finchy90

Original Poster:

20 posts

103 months

Saturday 19th December 2015
quotequote all
hi,

i was involved in a car accident about 4 months ago whilst driving my sisters car on my insurance, we exchanged details at the roadside and then drove home, no police involvement or anything. The next day i informed my insurance company. they said they would log the details on their system, it has been just over 4 months and i have not heard anything since i informed them, is this normal or should i be contacting them to see if any claim has been made against me .

thanks in advance,
steve

LoonR1

26,988 posts

176 months

Sunday 20th December 2015
quotequote all
Yes

2 posts 4 months. Christmas holidays.

BertBert

18,953 posts

210 months

Sunday 20th December 2015
quotequote all
Was it your fault then? And you are expecting a claim against you?

In the same circa when my friend drive my car on his DOC cover, the claim arrived at my door. So your sister may have been claimed against.

Although you'd expect her to know that!

Bert

finchy90

Original Poster:

20 posts

103 months

Sunday 20th December 2015
quotequote all
yes, was me at fault, i drove into the back of them. my sister has just renewed her insurance this month. and nothing has been mentioned. tbf the damage wasn't too bad on her car, [2001 clio], new bumper,bonnet slam panel and headlights, nothing structural.

LoonR1 said:
Yes

2 posts 4 months. Christmas holidays.
laugh i wish, unfortunately I've had the joys of working for the past 9 years, and still a lot longer to go frown

LoonR1

26,988 posts

176 months

Sunday 20th December 2015
quotequote all
finchy90 said:
yes, was me at fault, i drove into the back of them. my sister has just renewed her insurance this month. and nothing has been mentioned. tbf the damage wasnt too bad on her car, [2001 clio], new bumper,bonnet slam panel and headlights, nothing structural.

LoonR1 said:
Yes

2 posts 4 months. Christmas holidays.
laugh i wish, unfortunatly ive had the joys of working for the past 9 years, and still a lot longer to go frown
Who fixed and paid for your sister's car?

finchy90

Original Poster:

20 posts

103 months

Sunday 20th December 2015
quotequote all
I fixed the car, as i was only 3rd party DOC.

QBee

20,904 posts

143 months

Monday 21st December 2015
quotequote all
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
Last Spring my wife backed her car into a 12 year old Astra in a hospital car park, putting a fair sized dent into the corner of the bumper of the Astra.
Her Saab didn't even show a mark, Saab engineering for you!
She left a note on the Astra's windscreen, and a couple of days later a young paramedic got in touch.
He and his dad came round, showed me the car. Total shed, already damaged on other panels and rusting nicely.
My wife apologised for the damage, I asked them to get a quote for the repair and said i would settle a reasonable cost personally.
They thanked us for our honesty and said they would be in touch.
That's the last I heard from them.

pork911

7,086 posts

182 months

Monday 21st December 2015
quotequote all
QBee said:
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
really?

LoonR1

26,988 posts

176 months

Monday 21st December 2015
quotequote all
QBee said:
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
Last Spring my wife backed her car into a 12 year old Astra in a hospital car park, putting a fair sized dent into the corner of the bumper of the Astra.
Her Saab didn't even show a mark, Saab engineering for you!
She left a note on the Astra's windscreen, and a couple of days later a young paramedic got in touch.
He and his dad came round, showed me the car. Total shed, already damaged on other panels and rusting nicely.
My wife apologised for the damage, I asked them to get a quote for the repair and said i would settle a reasonable cost personally.
They thanked us for our honesty and said they would be in touch.
That's the last I heard from them.
And there we go, incontrovertible proof that people don't claim on old cars. Statisticians agree that a trend of one is always statistically valid.

Boshly

2,776 posts

235 months

Monday 21st December 2015
quotequote all
LoonR1 said:
QBee said:
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
Last Spring my wife backed her car into a 12 year old Astra in a hospital car park, putting a fair sized dent into the corner of the bumper of the Astra.
Her Saab didn't even show a mark, Saab engineering for you!
She left a note on the Astra's windscreen, and a couple of days later a young paramedic got in touch.
He and his dad came round, showed me the car. Total shed, already damaged on other panels and rusting nicely.
My wife apologised for the damage, I asked them to get a quote for the repair and said i would settle a reasonable cost personally.
They thanked us for our honesty and said they would be in touch.
That's the last I heard from them.
And there we go, incontrovertible proof that people don't claim on old cars. Statisticians agree that a trend of one is always statistically valid.
You must be like a coiled spring, just waiting to jump down someone's throat......

He didn't say anything of the sort as you sarcastically claim. He said "often" which can mean 'on numerous occasions'.

I can agree with that assertion also as I didn't claim against an old woman backing into one of my cars and my old Dad didn't claim against someone who dented his car at one time. It's sometimes more hassle than its worth. There you go, that's three occasions, that's numerous to me.

OP they may not claim, but then again I'd guess they more likely will although I would have thought that with the passing of time the chances diminish?


LoonR1

26,988 posts

176 months

Monday 21st December 2015
quotequote all
Boshly said:
You must be like a coiled spring, just waiting to jump down someone's throat......

He didn't say anything of the sort as you sarcastically claim. He said "often" which can mean 'on numerous occasions'.

I can agree with that assertion also as I didn't claim against an old woman backing into one of my cars and my old Dad didn't claim against someone who dented his car at one time. It's sometimes more hassle than its worth. There you go, that's three occasions, that's numerous to me.

OP they may not claim, but then again I'd guess they more likely will although I would have thought that with the passing of time the chances diminish?
Pork911 also wrote "really?" No comment on that?

If people don't claim for damage why do we get so many bleary threads about whiplash claims? At least get some consistency in the assertions

QBee

20,904 posts

143 months

Monday 21st December 2015
quotequote all
Loon is correct - I said "often" when I meant "sometimes". I was simply trying to explain the inexplicable - why the OP had heard nothing further.

If someone scuffs my already scuffed bumper, for me it's a "so what?". My newest car is a 56 reg.
If my car is not noticeably worse than it was before the accident I view it as a non-event, rather than a chance to get new bumper out of the poor sod who got it wrong, or their insurers.
I find that my sense of fair play leaves me a bit happier with life.

Perhaps I am in a minority of two?

sim72

4,945 posts

133 months

Monday 21st December 2015
quotequote all
pork911 said:
QBee said:
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
really?
On your average shed, a cracked bumper or dent in a panel can be enough to write the car off. Not to mention that even a non-fault claim will affect your premiums.

LoonR1

26,988 posts

176 months

Monday 21st December 2015
quotequote all
You're right that some don't claim, sadly most do. They've got up to 6 years to make a claim, so 4 months isn't that long in the bigger scheme. Those that don't claim tend to be where the damage they've incurred is less than their excess so it makes any claim trickier for them as it won't really involve their insurer.

pork911

7,086 posts

182 months

Monday 21st December 2015
quotequote all
sim72 said:
pork911 said:
QBee said:
People often don't bother to claim when they review the damage later, particularly if there isn't much and the car is old.
really?
On your average shed, a cracked bumper or dent in a panel can be enough to write the car off. Not to mention that even a non-fault claim will affect your premiums.
and?

LoonR1

26,988 posts

176 months

Monday 21st December 2015
quotequote all
sim72 said:
On your average shed, a cracked bumper or dent in a panel can be enough to write the car off. Not to mention that even a non-fault claim will affect your premiums.
Myth and one that I'm sick of seeing repeated on insurance threads.

Not every insurer loads for non fault claims

TwigtheWonderkid

43,246 posts

149 months

Monday 21st December 2015
quotequote all
sim72 said:
Not to mention that even a non-fault claim will affect your premiums.
Well don't mention it then, seeing as it's not true. Replace "will" with "might".

Boshly

2,776 posts

235 months

Monday 21st December 2015
quotequote all
LoonR1 said:
Boshly said:
You must be like a coiled spring, just waiting to jump down someone's throat......

He didn't say anything of the sort as you sarcastically claim. He said "often" which can mean 'on numerous occasions'.

I can agree with that assertion also as I didn't claim against an old woman backing into one of my cars and my old Dad didn't claim against someone who dented his car at one time. It's sometimes more hassle than its worth. There you go, that's three occasions, that's numerous to me.

OP they may not claim, but then again I'd guess they more likely will although I would have thought that with the passing of time the chances diminish?
Pork911 also wrote "really?" No comment on that?

If people don't claim for damage why do we get so many bleary threads about whiplash claims? At least get some consistency in the assertions
Who said "people don't claim for damage"? Why are you proving wrong something no-one said? Of course many/most people claim for damage.

Do you really need me to explain the difference between what he said and what you are saying? rolleyes

Boshly

2,776 posts

235 months

Monday 21st December 2015
quotequote all
LoonR1 said:
You're right that some don't claim, sadly most do. They've got up to 6 years to make a claim, so 4 months isn't that long in the bigger scheme. Those that don't claim tend to be where the damage they've incurred is less than their excess so it makes any claim trickier for them as it won't really involve their insurer.
Now that's fair enough. A reasoned sensible response smile

LoonR1

26,988 posts

176 months

Monday 21st December 2015
quotequote all
Boshly said:
Who said "people don't claim for damage"? Why are you proving wrong something no-one said? Of course many/most people claim for damage.

Do you really need me to explain the difference between what he said and what you are saying? rolleyes
No need for you to explain what he said, we'll let him explain it as below, first sentence sums it up nicely.

QBee said:
Loon is correct - I said "often" when I meant "sometimes". I was simply trying to explain the inexplicable - why the OP had heard nothing further.

If someone scuffs my already scuffed bumper, for me it's a "so what?". My newest car is a 56 reg.
If my car is not noticeably worse than it was before the accident I view it as a non-event, rather than a chance to get new bumper out of the poor sod who got it wrong, or their insurers.
I find that my sense of fair play leaves me a bit happier with life.

Perhaps I am in a minority of two?