Insurance claim - am I being Shafted?
Discussion
Afternoon all,
My Fiance's car was involved in a car park prang. She was out shopping, came back to car with a big dent down the rear quarter panel. There was no CCTV but a witness had left details of the car that hit her.
She phoned her insurance and they said they would contact the 3rd parties insurance to see if they would accept liability. A few days later we received a phone call saying they had accepted liability and that the car would be repaired and the excess would be waived.
This is all great I thought!
But now it appears she will have a "Non fault Claim" on her insurance, which after a quick quote, seems to put her insurance up by close to £300!!!
How can this be fair? I don't even think the dent would cost that to remove!
Is there another way we can claim, such as off the 3rd parties insurance which means that we don't get shafted come renewal time by having to declare a "claim".
My Fiance's car was involved in a car park prang. She was out shopping, came back to car with a big dent down the rear quarter panel. There was no CCTV but a witness had left details of the car that hit her.
She phoned her insurance and they said they would contact the 3rd parties insurance to see if they would accept liability. A few days later we received a phone call saying they had accepted liability and that the car would be repaired and the excess would be waived.
This is all great I thought!
But now it appears she will have a "Non fault Claim" on her insurance, which after a quick quote, seems to put her insurance up by close to £300!!!
How can this be fair? I don't even think the dent would cost that to remove!
Is there another way we can claim, such as off the 3rd parties insurance which means that we don't get shafted come renewal time by having to declare a "claim".
LoonR1 said:
Wow. Your second post, your second topic and it's another "Woe is me" insurance gripe. Aren't you the unlucky one?
Before anyone gets upset here's an answer to your made up story
1. Not all insurers increase their prices after a non fault claim, some even reduce them.
2. You can not successfully sue the other driver for the increase in premium
3. Think about what would've happened if the witness hadn't left a note
4. Make up a better story next time.
Thank you for your kind reply.Before anyone gets upset here's an answer to your made up story
1. Not all insurers increase their prices after a non fault claim, some even reduce them.
2. You can not successfully sue the other driver for the increase in premium
3. Think about what would've happened if the witness hadn't left a note
4. Make up a better story next time.
My most sincere apologies for seeking advice and help on a motoring forum specifically for the legalities surrounding driving.
As to why people on this forum believe every story is made up, I'm not sure.
LoonR1 said:
You got one response to your previous insurance thread and didn't bump it or post up any form of resolution.
The reason I (and a few others) call BS on stories like this is the frequency with which they pop up during school holidays. Anyway you've got the answer to your question. It's not what you want to hear, but it's factual so that's that.
I suspected the answer would be as much, but was merely inquiring as to anyone with greater experience than I, had any light to shed on the topic. The reason I (and a few others) call BS on stories like this is the frequency with which they pop up during school holidays. Anyway you've got the answer to your question. It's not what you want to hear, but it's factual so that's that.
As with my other topic, It was resolved to my satisfaction, but having a life, I didn't think to immediately run to the computer and tell everyone. I have also long since left school.
However, thank you for you prompt and factual response.
thainy77 said:
LoonR1 said:
Wow. Your second post, your second topic and it's another "Woe is me" insurance gripe. Aren't you the unlucky one?
Before anyone gets upset here's an answer to your made up story
4. Make up a better story next time.
Why post this everytime someone with a low post count starts a thread? I find it hard to believe that so many school kids sit at home and think "i know, i'll create a profile on PH to start a topic on car insurance".Before anyone gets upset here's an answer to your made up story
4. Make up a better story next time.
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