Just had an accident earlier today, now clueless..
Discussion
Hey
Well a BMW reversed in to my Bentley and it dented the front right side..
Now he came out of the car and apologised and admitted that it is his fault etc.
He also called me and told me to get a quote to fix the bodywork, if it's reasonable then he will pay it otherwise we can get insurance company involved.
My question is, if we can solve it between us then will it be better? or should I tell my insurance and try to get the repair cost from them? Mind you, I have a higher excess on this car's insurance, but then again the accident was not my fault..
I am just worried that if I tell the insurance then it might raise my insurance next year..
What will be best in this situation?
Well a BMW reversed in to my Bentley and it dented the front right side..
Now he came out of the car and apologised and admitted that it is his fault etc.
He also called me and told me to get a quote to fix the bodywork, if it's reasonable then he will pay it otherwise we can get insurance company involved.
My question is, if we can solve it between us then will it be better? or should I tell my insurance and try to get the repair cost from them? Mind you, I have a higher excess on this car's insurance, but then again the accident was not my fault..
I am just worried that if I tell the insurance then it might raise my insurance next year..
What will be best in this situation?
Edited by LH1 on Friday 20th April 04:11
Worst "I have a Bentley" Thread Ever. 
I would be extremely surprised if he'll want to pay off his own back to fix your car once he sees the quote, Bentleys aren't exactly cheap to unbend.
If you keep it away from the insurance company you will likely save some money - your insurance will be loaded for the accident even though it's not your fault.
Conversely, not telling the insurance company is a breach of the contract you have with them to tell them about anything that might affect the insurance policy.
I would be extremely surprised if he'll want to pay off his own back to fix your car once he sees the quote, Bentleys aren't exactly cheap to unbend.
If you keep it away from the insurance company you will likely save some money - your insurance will be loaded for the accident even though it's not your fault.
Conversely, not telling the insurance company is a breach of the contract you have with them to tell them about anything that might affect the insurance policy.
davepoth said:
Conversely, not telling the insurance company is a breach of the contract you have with them to tell them about anything that might affect the insurance policy.
Well, this is the first time I had any accident, so you know, a bit shaken after the incident. I was also thinking about those accident management companies, they seems to repair straight away and then claim the money from insurance later.. Now I don't have any experience with them so no I idea if they can do what they are saying..
The other thing I was wondering is, can those accident management companies repair Bentley? or do I have to send to Bentley to fix it?
Threads like this tend to get ugly - but here's the skinny.
You are almost certainly required, in the terms of your insurance, to inform them of any accidents/incidents - failure to do so can result in them voiding your policy (unlikely but entirely possible).
Informing your insurer - even if the other party accepts blame and pays up in-full - WILL have an effect on your insurance history and future premiums. Yes, being crashed-into makes you a higher risk!!
If you choose to 'do a deal' and accept him paying for the damage, bear in mind that if he doesn't actually pay-up, there's very, very little you can do to make him do so. You may be left, at that point, having to resort to your insurer and explain why you've taken eons to contact them - not ideal that one.
It's entirely upto you - my advice tends to be "contact your insurer anyway". If the other party wishes to avoid losing their no-claims they can still pay the costs directly (the accident goes onto both your records as 'no claim made' - his 'at fault' and yours not).
GL with it
You are almost certainly required, in the terms of your insurance, to inform them of any accidents/incidents - failure to do so can result in them voiding your policy (unlikely but entirely possible).
Informing your insurer - even if the other party accepts blame and pays up in-full - WILL have an effect on your insurance history and future premiums. Yes, being crashed-into makes you a higher risk!!
If you choose to 'do a deal' and accept him paying for the damage, bear in mind that if he doesn't actually pay-up, there's very, very little you can do to make him do so. You may be left, at that point, having to resort to your insurer and explain why you've taken eons to contact them - not ideal that one.
It's entirely upto you - my advice tends to be "contact your insurer anyway". If the other party wishes to avoid losing their no-claims they can still pay the costs directly (the accident goes onto both your records as 'no claim made' - his 'at fault' and yours not).
GL with it
Edited by johnpeat on Friday 20th April 03:14
LH1 said:
Sorry, didn't understand this bit "you can claim for your increases from the third party"
How can I claim my insurance increase?
Oh god it's started - can someone please link to any of the 300 threads we've had on this topic before - PLEASE.How can I claim my insurance increase?
Summary: if you're paranoid about every penny in life, call a claims management company and let them sort it out - in fact have them ream him out whilst you're at it.
Otherwise just call your insurer and let them sort it out - it's what you pay them to do.
Why don't you get a dummy quote to see how much your insurance will be when you come to renew it? It may not increase as much as you think as all insurers are different. I have a non-fault claim and it made no difference with Swiftcover but then it did for someone else for some reason. Others have said their premium only increased by £50.
Generally though I do say it's just easier to do it through insurance. I had someone who went into the back of me a good few years back and he told me he'd sort it out himself instead of insurance. Well when I got the car back the color and paint didn't match and the exhaust hole was on the wrong side! You live and learn I suppose.
Generally though I do say it's just easier to do it through insurance. I had someone who went into the back of me a good few years back and he told me he'd sort it out himself instead of insurance. Well when I got the car back the color and paint didn't match and the exhaust hole was on the wrong side! You live and learn I suppose.
Well, i gave an accident claim management to deal with it, when they called him, he denies it, and says it BOTH of our fault, don't know how it's my fault when I was just sitting in there...
So yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
So yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
LH1 said:
Well, i gave an accident claim management to deal with it, when they called him, he denies it, and says it BOTH of our fault, don't know how it's my fault when I was just sitting in there...
What was the accident management companies reaction to him denying it?I be they absolutely wet themselves with glee when you first contacted them - the thought of them being able to bill the other party for a Bentley while yours is repaired would have made their day. The £2000 repair cost would probably end up with a £10K+ bill for the 3rd party once like-for-like hire costs are included - think about it, would you like that done to you?
And you'll be hounded for years to make a personal injury claim.
LH1 said:
Hey
Well a BMW reversed in to my Bentley and it dented the front right side..
He also called me and told me to get a quote to fix the bodywork, if it's reasonable then he will pay it otherwise we can get insurance company involved.
I highlighted the important bits now tell your insurance. As others have said you will be obliged to tell them anyway and even if this guy does want to pay out side of insurance are you seriously going to be happy with a back street bodge?Well a BMW reversed in to my Bentley and it dented the front right side..
He also called me and told me to get a quote to fix the bodywork, if it's reasonable then he will pay it otherwise we can get insurance company involved.
LH1 said:
Well, i gave an accident claim management to deal with it, when they called him, he denies it, and says it BOTH of our fault, don't know how it's my fault when I was just sitting in there...
So yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
bet it ends ups going 50/50, I had a similar thing, guy decided in traffic he wanted to turn around, backed into me and admitted on the scene. Once the insurance companies got involved he changed his tune and said he stopped and I ran into himSo yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
LH1 said:
Well, i gave an accident claim management to deal with it, when they called him, he denies it, and says it BOTH of our fault, don't know how it's my fault when I was just sitting in there...
So yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
OP, this chap seems to have been prepared to save costs by paying to fix the damage out of his own pocket by not getting insurance involved. As you have now gotten an AM company involved he will no doubt have to get his insurers involved as the costs are now going to be astronomical. You say he reversed into you, this may end very badly for you if he decides to say you crashed into the back of him.So yeah, things just got much more complicated and the repair costs are starting from 2k upwards...
The Moose said:
balders118 said:
Am I the only one who thinks hat surely someone who can afford a bently isn't going to be concerned about £100 or so increase in insurance?
No. That's an absolutely stupid point of view.I think if I owned a £100,000 car my main concern would be getting it fixed, making sure it was going to look right and that I wasn't going to be inconvineiced (i.e. taking it to bentley, getting good work done, and sorting it in a fast effective way with costs covered), not worrying about and extra £100 come renewel along with the hassle of trying to deal with someone who think's that paying themselves for a bent bentley is going to be a cheaper option!
balders118 said:
Really? I totally disagree.
I think if I owned a £100,000 car my main concern would be getting it fixed, making sure it was going to look right and that I wasn't going to be inconvineiced (i.e. taking it to bentley, getting good work done, and sorting it in a fast effective way with costs covered), not worrying about and extra £100 come renewel along with the hassle of trying to deal with someone who think's that paying themselves for a bent bentley is going to be a cheaper option!
Dont be stupid. My dad had something like this. Some tit drove into his bmw in a scrapper. When my dad spoke to him he refused to hand over his details as "if you can afford to drive a bmw you can afford to fix it too" my dad could afford to fix it but it wasn't his fault so why should he suffer from someone else stupidity.I think if I owned a £100,000 car my main concern would be getting it fixed, making sure it was going to look right and that I wasn't going to be inconvineiced (i.e. taking it to bentley, getting good work done, and sorting it in a fast effective way with costs covered), not worrying about and extra £100 come renewel along with the hassle of trying to deal with someone who think's that paying themselves for a bent bentley is going to be a cheaper option!
Just because you own a fancy car doesnt mean you dont care about repair costs or fault etc. On top of which if you own an expensive car its likely you have spare you can use.
To the op. May i advise that you call the claims management company with a view to cancelling their services. Due to the nature of the accident it is likely the claim will go 50/50 or possibly even against you. That being the case you could be pursued for the loan car cost whilst yours is repaired.
TBH, I had every stympathy til you said you had gone to an AMC.
Now I hope it does go 50/50, just so when they present you with the remaining £10k of the £20k hire invoice that wasn't paid and refer you to the small print, and it finally sinks it it wasn't a FREE car, you understand what you did by lining these vultures pockets. (Bentleys on credit rates are about £700 a day), and parts might take a while if an AMC is involved to arrive, as the longer the repair process,the bigger the hire. Oh, and you can expect the labour figure to be well inflated too.
The reasons premiums in the UK are down largely to AMC's. If judges had correctly understood the issues and treated this "credit" like they do other forms and abolished it, we'd all be paying so much less today.
Perhaps if you'd just done what was suggested by the other driver, or put it in hands of a properly regulated business like your insurers, it wouldn't have gone so badly for you. Certainly when the cost outcome is now going to be so high, it's going to be WORTH the while of the opposing insurer disputing the claim. Providing theres no evidence either way, your actions turned a non fault claim into a fault one.
Now I hope it does go 50/50, just so when they present you with the remaining £10k of the £20k hire invoice that wasn't paid and refer you to the small print, and it finally sinks it it wasn't a FREE car, you understand what you did by lining these vultures pockets. (Bentleys on credit rates are about £700 a day), and parts might take a while if an AMC is involved to arrive, as the longer the repair process,the bigger the hire. Oh, and you can expect the labour figure to be well inflated too.
The reasons premiums in the UK are down largely to AMC's. If judges had correctly understood the issues and treated this "credit" like they do other forms and abolished it, we'd all be paying so much less today.
Perhaps if you'd just done what was suggested by the other driver, or put it in hands of a properly regulated business like your insurers, it wouldn't have gone so badly for you. Certainly when the cost outcome is now going to be so high, it's going to be WORTH the while of the opposing insurer disputing the claim. Providing theres no evidence either way, your actions turned a non fault claim into a fault one.
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