Car reversed into me, what should I do?

[brrapp]

Mrsweet1991 said:

My current excess was not only 3k but also an "All sections excess" meaning the 3k excess is paid regardles of fault or whether i want to claim repairs for my car

I don't know where you're getting your information from, but no insurance policy in the UK has an excess for third party damage, it wouldn't be legal. You said in your initial post that there was no damage to your car, and as the insurance company cannot charge you an excess for the cost of a third party claim, regardless of the excess on your policy , you would not have to pay anything in the event of a claim.
As said on this thread several times already, if the other driver had made a claim against you, in the unlikely event of your insurance accepting responsibility on your behalf, the worst that would have happened is a slightly higher premium next year.

[SR20i]

saaby93 said:

SR20i said:

So you've given whoever reversed into you £250? And you say you weren't at fault? One born every minute.

I missed that - where was it?

The op said he paid the 3rd party in full, maybe not 250 buy still paid someone he believed to be at fault.

[Mrsweet1991]

brrapp said:

I don't know where you're getting your information from, but no insurance policy in the UK has an excess for third party damage, it wouldn't be legal. You said in your initial post that there was no damage to your car, and as the insurance company cannot charge you an excess for the cost of a third party claim, regardless of the excess on your policy , you would not have to pay anything in the event of a claim.
As said on this thread several times already, if the other driver had made a claim against you, in the unlikely event of your insurance accepting responsibility on your behalf, the worst that would have happened is a slightly higher premium next year.

Taken from my policy booklet:

You are liable for any claim (by You or any
third party) made on Your Policy up to an amount of the value of the Excess on the Policy. For
example, if You are involved in an incident where a third party makes a claim against You and
there is no damage to Your Car, You will be liable to pay The Underwriters the amount up to the
value of Your Excess. If You are deemed liable for any such claims, The Underwriters will make
payments on Your behalf to settle the claim on the best terms available as outlined in Condition
1 of Your Policy

[brrapp]

Mrsweet1991 said:

brrapp said:

I don't know where you're getting your information from, but no insurance policy in the UK has an excess for third party damage, it wouldn't be legal. You said in your initial post that there was no damage to your car, and as the insurance company cannot charge you an excess for the cost of a third party claim, regardless of the excess on your policy , you would not have to pay anything in the event of a claim.
As said on this thread several times already, if the other driver had made a claim against you, in the unlikely event of your insurance accepting responsibility on your behalf, the worst that would have happened is a slightly higher premium next year.

Taken from my policy booklet:

You are liable for any claim (by You or any
third party) made on Your Policy up to an amount of the value of the Excess on the Policy. For
example, if You are involved in an incident where a third party makes a claim against You and
there is no damage to Your Car, You will be liable to pay The Underwriters the amount up to the
value of Your Excess. If You are deemed liable for any such claims, The Underwriters will make
payments on Your behalf to settle the claim on the best terms available as outlined in Condition
1 of Your Policy

I apologise, it had been my understanding that under The Road Traffic Act, it was illegal for a policy to include a third party excess.
I've since googled 'all sections excess' and discovered that a few dodgy companies have introduced this type of policy which has a legal loophole in that it guarantees to pay the full value of a third party claim no matter what (so it gets round the law), but which includes the right to claim this back from the policy holder. Very dodgy in my opinion. As they say, 'You learn something new everyday.'

[saaby93]

SR20i said:

saaby93 said:

SR20i said:

So you've given whoever reversed into you £250? And you say you weren't at fault? One born every minute.

I missed that - where was it?

The op said he paid the 3rd party in full, maybe not 250 buy still paid someone he believed to be at fault.

It looks like the OP paid £250 to save all the hassle of arguing with their own insurer who was about to pay up and claim it back from the OP anyway.
Its not a good idea trying to argue with your insurer and why it's often best for a third party claim to deal direct with the third party or their insurer.
As this thread shows

[TheLuke]

Sounds like they were right having the 3k excess on there.

I wouldn't insure you.

[OddCat]

TheLuke said:

Sounds like they were right having the 3k excess on there.

I wouldn't insure you.

To be fair, the OP did sound his horn 5 or 6 times before the impact. I mean, what is a bloke supposed to do. Next thing you know, someone will be suggesting that, instead, he should have pulled quickly forwards again into the space he was leaving to get out of the way......

Edited by OddCat on Wednesday 18th January 21:04

[saaby93]

OddCat said:

TheLuke said:

Sounds like they were right having the 3k excess on there.

I wouldn't insure you.

To be fair, the OP did sound his horn 5 or 6 times before the impact. I mean, what is a bloke supposed to do. Next thing you know, someone will be suggesting that, instead, he should have pulled quickly forwards again into the space he was leaving to get out of the way......

Easily done
you see someone coming towards you that hasnt seen you
you toot - that should make them notice
oh it hasnt
beep again a bit longer
and again
beeeeeeeeep
beeeeeeeeeeppppppppppp
scrunch
oh

[Mrsweet1991]

saaby93 said:

It looks like the OP paid £250 to save all the hassle of arguing with their own insurer who was about to pay up and claim it back from the OP anyway.
Its not a good idea trying to argue with your insurer and why it's often best for a third party claim to deal direct with the third party or their insurer.
As this thread shows

That is indeed the thought process i had, with an all section excess i need to cough up 3k straight away. Then the insurance companies hastle on whos to blame and what the costs are, once the prices for the repair are agreed (in this case would be approx £240) my insurance would reinburse the £2760 maybe months down the road.. or bite the bullet pay the £240 and work towards my no claims. Im glad it happened anyway, its the only reason i identified this "all sections excess" and managed to source myself a new insurance company with a normal excess and the excess being £2700 less

[Mrsweet1991]

saaby93 said:

Easily done
you see someone coming towards you that hasnt seen you
you toot - that should make them notice
oh it hasnt
beep again a bit longer
and again
beeeeeeeeep
beeeeeeeeeeppppppppppp
scrunch
oh

Please also note that the distance between my car and his car was 1m or so.. there really wasnt any time to think.. i seen them reversing towards me and paniked and bibbed pretty rapidly, the time it took to hit me was literally a second or two. If i can photoshop the image to remove people out of it ill upload so you can get an idea.

[Monkeylegend]

Mrsweet1991 said:

Please also note that the distance between my car and his car was 1m or so.. there really wasnt any time to think.. i seen them reversing towards me and paniked and bibbed pretty rapidly, the time it took to hit me was literally a second or two. If i can photoshop the image to remove people out of it ill upload so you can get an idea.

It's all been sorted, you will only be opening yourself up to more of the same, I would quit whilst you are behind. You will only be feeding those that want to score PH bragging rights

[rainmakerraw]

Giving your situation the benefit of the doubt re: honesty, OP, I would honestly highly recommend you take a course with RoSPA's RoADAR (advanced driving). I passed with a Gold award last year and have since been certified as a tutor. You'll be amazed at how much better your observation, planning and driving will become. It's not about going slow either (quite the opposite at times!)... Just a thought for you. It's something I'd recommend to anyone, but with your claims history doubly so. Not a slight or an insult, but something anyone would find genuinely useful.

[Mrsweet1991]

Monkeylegend said:

It's all been sorted, you will only be opening yourself up to more of the same, I would quit whilst you are behind. You will only be feeding those that want to score PH bragging rights

Thanks, and plus i would dissapoint some as i was requested to post a picture with me in it holding a can of custard :S

[Garybee]

Excess sounds too high for a Q7. Other quotes also very high considering it's a Q7. Is Q7 insurance usually this bad? How many Q7s does it take to change a Q7 headlamp bulb? What letter comes before R in the alphabet and what is 4 plus 3?

Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7Q7

[Mrsweet1991]

rainmakerraw said:

Giving your situation the benefit of the doubt re: honesty, OP, I would honestly highly recommend you take a course with RoSPA's RoADAR (advanced driving). I passed with a Gold award last year and have since been certified as a tutor. You'll be amazed at how much better your observation, planning and driving will become. It's not about going slow either (quite the opposite at times!)... Just a thought for you. It's something I'd recommend to anyone, but with your claims history doubly so. Not a slight or an insult, but something anyone would find genuinely useful.

Thank you, i didnt actually know that existed. I do have a Pass Plus certification but that really wouldnt have compared to the course you're on about. Going forward from this however i will be investing in some dash cams and i definitely won't listen to someone in the car when they want me to park forward for their convenience.. i think with my history in car parks i may develope a phobia haha.

[Nickyboy]

Driving barely 8 years and already 5 claims? Jesus wept, i'd be looking at my driving amongst other things.

[Mrsweet1991]

Nickyboy said:

Driving barely 8 years and already 5 claims? Jesus wept, i'd be looking at my driving amongst other things.

2 claims where made when my car was in a car park and someone scuffed the side

1 claim was third partys fault

The other 2 was a fraudulant claim and a 70/30 split (30% my fault)

Put those 5 claims into perspective i wouldnt say its my driving..

[Pothole]

Mrsweet1991 said:

Nickyboy said:

Driving barely 8 years and already 5 claims? Jesus wept, i'd be looking at my driving amongst other things.

2 claims where made when my car was in a car park and someone scuffed the side

1 claim was third partys fault

The other 2 was a fraudulant claim and a 70/30 split (30% my fault)

Put those 5 claims into perspective i wouldnt say its my driving..

Stop claiming for car park damage. It's not worth it long term unless damage is significant.

[Mrsweet1991]

Pothole said:

Stop claiming for car park damage. It's not worth it long term unless damage is significant.

I honestly had no idea they was going down so that other insurance companies would have to know, i was under the impression that i was just notifying my insurance so they would know for their own records, there was never a claim and i was told absolutely nothing will happen and they will just send me a letter to confirm that i told them. When i enquired about the dates for my claims to get an insurance quote it was then that i realised these notifications where documented in that way. Lesson learned though

[HannsG]

I went into the back of a woman as she fukin braked in the middle of a busy roundabout as she thought she saw a ghost.

I st you not. Her 500quid Ford Ka had a bumper damaged. I popped it out.

Then I saw the claim for £8k which the insurance company shelled out for. I was in complete shock to be honest..£8k!!!!!!

I now have this on my insurance record as a claim for the next three years.

Chalk it up to experience

I do think now it might have been a setup. £8k....unbelievable

EDIT: Just read that you have £3k excess, are you crazy? If you can't afford it don't drive it.

Madness

Edited by HannsG on Thursday 19th January 01:06