Just had an small non0fault accident - Advice needed
Discussion
Hi
I have just this morning been involved in a small accident and need some advice.
Basically I was driven into the back of at a roundabout. Damage to the corner of my bumper. The other party has admitted liability (verbally) and passed the matter to their company insurance policy (I assume a company car from this).
I am now waiting for a call from their insurers.
I am just wondering how I should handle this.
Do I contact and tell my insurance company, not sure if I need to as the accident was not my fault and I will be claiming against the other parties insurance.
What choices do I have with regard to who repairs the car? The car is 4 years old and I want to ensure the repair is good.
Thanks for any advice and guidance, I have not been in this situation before.
Regards
Ben
I have just this morning been involved in a small accident and need some advice.
Basically I was driven into the back of at a roundabout. Damage to the corner of my bumper. The other party has admitted liability (verbally) and passed the matter to their company insurance policy (I assume a company car from this).
I am now waiting for a call from their insurers.
I am just wondering how I should handle this.
Do I contact and tell my insurance company, not sure if I need to as the accident was not my fault and I will be claiming against the other parties insurance.
What choices do I have with regard to who repairs the car? The car is 4 years old and I want to ensure the repair is good.
Thanks for any advice and guidance, I have not been in this situation before.
Regards
Ben
Ben, report to your insurance company. It's a pain but a requirement of your insurance, besides people who admit at the time often have a rethink when helpful friends and relatives put their neb in. The fact they ran into the back of you however means your liability is non existent .
Contact your own insurance as soon as possible and explain the situation fully.
As the TP has admitted liability then your claim should be alot quicker to get everything sorted. Your insurance company should put you in touch with an approved repairer (may be check with you car dealer that they also accept the garage if you still have warranty on the car, seeing it's new) where they will see how much it will cost to repair. If you have to pay any costs- then they should be able to be recouped from the TP insurance. e.g excess
As the TP has admitted liability then your claim should be alot quicker to get everything sorted. Your insurance company should put you in touch with an approved repairer (may be check with you car dealer that they also accept the garage if you still have warranty on the car, seeing it's new) where they will see how much it will cost to repair. If you have to pay any costs- then they should be able to be recouped from the TP insurance. e.g excess
If you haven't reported the incident to the Police do so as soon as possible. Verbal admition of fault now may come back and bite you on the bum later. If you have an incident number and have filed a Police report you will have more weight behind you if there's an argument.
Also if the driver gets a bit sticky with you and denies he/she was at fault, you have the incident report as a reference point to make a formal complaint that the driver was not paying due care and attention if needs be.
Again if you the driver has said "no problem, here's my details" and given you faule details or turns out not to be insured the incident report can be used later by the Police to find the driver (provided you made a note of the numberplate, make, model, spec', colour, location, took photo's etc).
Also if the driver gets a bit sticky with you and denies he/she was at fault, you have the incident report as a reference point to make a formal complaint that the driver was not paying due care and attention if needs be.
Again if you the driver has said "no problem, here's my details" and given you faule details or turns out not to be insured the incident report can be used later by the Police to find the driver (provided you made a note of the numberplate, make, model, spec', colour, location, took photo's etc).
jr502 said:
I agree with everything above, be prepared as I'm sure their story will change once they have got home and had a think about it.
This is always a possibility, whats in my favour is that it is a company car and liability will probably be less of a concern for him.Planning to follow the advice given in this thread,
Ben
Report to the police as above.
I had someone hit the back of my bumper when I was turning into a side road and they were exiting - trying to beat the traffice behind me.
They admitted fault at the scene, didn't offer their details or anything, but not the insurance companies are arguing as she said I cut the corner.
Very messy.
I had someone hit the back of my bumper when I was turning into a side road and they were exiting - trying to beat the traffice behind me.
They admitted fault at the scene, didn't offer their details or anything, but not the insurance companies are arguing as she said I cut the corner.
Very messy.
Lordglenmorangie said:
Ben, report to your insurance company. It's a pain but a requirement of your insurance, besides people who admit at the time often have a rethink when helpful friends and relatives put their neb in. The fact they ran into the back of you however means your liability is non existent .
I hate to be the voice of 'doom and gloom', but just because the other car ran into the back of Ben, doesn't mean his liability is non existent. The other party may claim he braked sharply for no reason and, in the absence of an indepedent witness, the insurers could push for a 50:50 as a result.Also, even if there is no liability on Bens part, his insurance may go up as a result of the incident.
All of the above is unfair, but that's the way it is.
It's not a police matter so no point contacting them. Hopefully you took some photos which should show that you were not at fault.
As others have said, contact your insurer. And resist any temptation to use a claims management co - they'll just try to persuade you to make a fraudulent claim for whiplash.
As others have said, contact your insurer. And resist any temptation to use a claims management co - they'll just try to persuade you to make a fraudulent claim for whiplash.
Amateurish said:
It's not a police matter so no point contacting them. Hopefully you took some photos which should show that you were not at fault.
As others have said, contact your insurer. And resist any temptation to use a claims management co - they'll just try to persuade you to make a fraudulent claim for whiplash.
ha ha As others have said, contact your insurer. And resist any temptation to use a claims management co - they'll just try to persuade you to make a fraudulent claim for whiplash.
Its in your own best interets to tell your local police. If no-ones injured they wont want to know but if anything happens later at least you can say you called
You should contact your own insurer but just to let them know you're dealing with the TPs insurer. Arrange for some quotes and offer them to the TP or their insurer (you dont have to choose the cheapest). If it's low enough they may not go through insurance.
If you cant handle it contact a good independent trusted accident management company. Your own insurer is last resort
paulrussell said:
I wouldn't bother phoning the police, as they wouldn't do anything. Also don't get an accident claims management company involved, as they are one of the reasons insurance prices are going up.
Keep up at the back 
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monthefish said:
I hate to be the voice of 'doom and gloom', but just because the other car ran into the back of Ben, doesn't mean his liability is non existent. The other party may claim he braked sharply for no reason and, in the absence of an indepedent witness, the insurers could push for a 50:50 as a result.
Also, even if there is no liability on Bens part, his insurance may go up as a result of the incident.
All of the above is unfair, but that's the way it is.
Anything is possible, but saying the chap braked for no reason will be no defence for running up his arse, you are supposed to travel at a safe braking distance for any eventuality . Ben's liability is non existent END OF.Also, even if there is no liability on Bens part, his insurance may go up as a result of the incident.
All of the above is unfair, but that's the way it is.
50 :50 has not a chance in hell.
You are right about the insurance going up, my son's car recently was very badly damaged by a woman in. 4X4 who for some reason tried to run over it whilst it was parked. It was a no fault and her insurance paid for every thing, however his renewal increased up £55 as a direct result of this silly cow !
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