Rear-ended at lights. Best way to proceed?
Discussion
About an hour ago. Sat first at lights. A big van suddenly rear-ends me. Good old jolt.
So I pull over and the van does the same. More damage on his to be honest. He apologises and says he's not used to the van/automatic. I ask for insurance details and he says it's the company's van so doesn't know but gives me his name and number. I take photos of both vehicles and that's that, we go on our ways.
So what's the correct way to proceed regarding insurance?
Visibly, all that's happened to mine is a scratch and one of the number-plate lights seems to have disappeared into the bumper. It gave me a proper shock though and it's hurt my neck. I don't want to wake up paralysed tomorrow or something and not covered myself.
Likewise, I don't want to have increased premiums from my own insurance company for having the audacity to 'be involved in an incident'.
So I pull over and the van does the same. More damage on his to be honest. He apologises and says he's not used to the van/automatic. I ask for insurance details and he says it's the company's van so doesn't know but gives me his name and number. I take photos of both vehicles and that's that, we go on our ways.
So what's the correct way to proceed regarding insurance?
Visibly, all that's happened to mine is a scratch and one of the number-plate lights seems to have disappeared into the bumper. It gave me a proper shock though and it's hurt my neck. I don't want to wake up paralysed tomorrow or something and not covered myself.
Likewise, I don't want to have increased premiums from my own insurance company for having the audacity to 'be involved in an incident'.
If you can get in contact with the third party company or their insurer, they normally bend over backwards to repair your car and get you a hire car at no cost to yourself. This is to stop you getting into the hands of the evil Credit Hire Companies who will inflate the value of your claim.
With your whiplash, the government have now developed a website where innocent parties such as yourself can run their own personal injury claim. Your own insurer won’t be interested in helping you with a personal injury claim or a claim for any other uninsured losses as that’s not their job.
With your whiplash, the government have now developed a website where innocent parties such as yourself can run their own personal injury claim. Your own insurer won’t be interested in helping you with a personal injury claim or a claim for any other uninsured losses as that’s not their job.
Pica-Pica said:
The outcome may well be:
Insurer takes details.
You get car fixed, paying your excess.
Your insurer recovers cost from the third party, and reimburses to you your excess.
That’s what happened to me.
Yeah. Hardly seems worth it for a scratch. But how do I know there’s no ‘hidden’ damage like.Insurer takes details.
You get car fixed, paying your excess.
Your insurer recovers cost from the third party, and reimburses to you your excess.
That’s what happened to me.
I’m no ambulance chaser by the way. Just don’t want to get shafted.
Yeah I have reg number.
So this is starting to get weird. I reported as advised. On inspecting the car properly I noticed the number plate light had been smashed in too. So took some photos of the very minor damage and submitted them. Now the insurance company has emailed me saying 'your car is potentially unrepairable'.
What the hell does that mean? It's not a valuable car, but I like it so I don't want to just scrap it over a scratch.
So this is starting to get weird. I reported as advised. On inspecting the car properly I noticed the number plate light had been smashed in too. So took some photos of the very minor damage and submitted them. Now the insurance company has emailed me saying 'your car is potentially unrepairable'.
What the hell does that mean? It's not a valuable car, but I like it so I don't want to just scrap it over a scratch.
nuyorican said:
Yeah I have reg number.
So this is starting to get weird. I reported as advised. On inspecting the car properly I noticed the number plate light had been smashed in too. So took some photos of the very minor damage and submitted them. Now the insurance company has emailed me saying 'your car is potentially unrepairable'.
What the hell does that mean? It's not a valuable car, but I like it so I don't want to just scrap it over a scratch.
What car is it?So this is starting to get weird. I reported as advised. On inspecting the car properly I noticed the number plate light had been smashed in too. So took some photos of the very minor damage and submitted them. Now the insurance company has emailed me saying 'your car is potentially unrepairable'.
What the hell does that mean? It's not a valuable car, but I like it so I don't want to just scrap it over a scratch.
Mind you, insurers seem quite keen to write anything off these days.
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