Car hit while parked
Discussion
Hi all,
Hoping you could help with a slight quandary.
My car was hit while parked on the road. I was not present. Have contacted the other party and they have admitted liability.
Am I right in thinking my best bet is to contact the other party's insurer, and not my own, for now? I have asked the other party for their insurance details and they say that as the vehicle involved was a company-owned one, they will have to contact their employer to find out the details. And that their insurers will then contact _my_ insurers.
What is the best course of action? Should I provide my insurance details or not? Really don't want to be stuck with a claim on my insurance...
Hoping you could help with a slight quandary.
My car was hit while parked on the road. I was not present. Have contacted the other party and they have admitted liability.
Am I right in thinking my best bet is to contact the other party's insurer, and not my own, for now? I have asked the other party for their insurance details and they say that as the vehicle involved was a company-owned one, they will have to contact their employer to find out the details. And that their insurers will then contact _my_ insurers.
What is the best course of action? Should I provide my insurance details or not? Really don't want to be stuck with a claim on my insurance...
Thanks for everyone's help, especially the lurker 
So, an update:
Rang my insurers today, made clear the third party has accepted liability. Made sure to ask which company the third party were insured with.
Was provided 2 options:
- Have this covered under my fully-comp policy (???).
- Have the claim handled by Albany Assistance Ltd., with no effect on my no claims bonus.
Was surprised not to be given the option to have my insurer sort it out between themselves and the third party's.
Anyway, they put me through to Albany Assistance, and I was asked about details of the incident, etc. Decided to Google this company while on the phone. Did not like what I saw. Made an excuse and hung up.
Phoned the third party's insurers direct, and again provided details of the incident. Was told they will confirm with the third party and then get back in touch with me.
Seeing as my insurer raised a claim on my policy, and then fobbed me off to another company, can I now ring them and have the claim changed to a 'notification'? I feel my interests will be better dealt with by the third party insurer direct, than these Albany Assistance fellows, but we shall have to wait and see.
So, an update:
Rang my insurers today, made clear the third party has accepted liability. Made sure to ask which company the third party were insured with.
Was provided 2 options:
- Have this covered under my fully-comp policy (???).
- Have the claim handled by Albany Assistance Ltd., with no effect on my no claims bonus.
Was surprised not to be given the option to have my insurer sort it out between themselves and the third party's.
Anyway, they put me through to Albany Assistance, and I was asked about details of the incident, etc. Decided to Google this company while on the phone. Did not like what I saw. Made an excuse and hung up.
Phoned the third party's insurers direct, and again provided details of the incident. Was told they will confirm with the third party and then get back in touch with me.
Seeing as my insurer raised a claim on my policy, and then fobbed me off to another company, can I now ring them and have the claim changed to a 'notification'? I feel my interests will be better dealt with by the third party insurer direct, than these Albany Assistance fellows, but we shall have to wait and see.
Edited by anoother on Wednesday 16th April 13:36
amstrange1 said:
No.
Thanks to everyone for the help.
The third party insurer wrote off my car (Cat D), valuing it at ~£300 more than it's actually worth. Oh, and they don't want to scrap it -- it's still mine. So whatever I can get at salvage is mine, too. The best result possible, as far as I'm concerned.
The third party insurer wrote off my car (Cat D), valuing it at ~£300 more than it's actually worth. Oh, and they don't want to scrap it -- it's still mine. So whatever I can get at salvage is mine, too. The best result possible, as far as I'm concerned.
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