car accident insurance question
Discussion
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
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
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.
i wish, unfortunately I've had the joys of working for the past 9 years, and still a lot longer to go 2 posts 4 months. Christmas holidays.
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.
Who fixed and paid for your sister's car?LoonR1 said:
Yes
2 posts 4 months. Christmas holidays.
i wish, unfortunatly ive had the joys of working for the past 9 years, and still a lot longer to go 2 posts 4 months. Christmas holidays.
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.
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.
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. 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.
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. 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.
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?
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?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?
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
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?
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?
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?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.
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?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
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?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?
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
Do you really need me to explain the difference between what he said and what you are saying?
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 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?
No need for you to explain what he said, we'll let him explain it as below, first sentence sums it up nicely. Do you really need me to explain the difference between what he said and what you are saying?
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?
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?
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