Driven into - guilty party stalling

[anonymous-user]

Briefly, my car was reversed into by somebody not checking first. Details swapped & he was apologetic. I contacted insurance to let them know, turns out he was with the same company. There are witnesses I can call on.

With his agreement I got a bodyshop to quote for repairs -about £600. This was emailed over, then a day or two later he got in contact to say he’d seen it but lost it - could i resend.

I’m having to do all the chasing to find out whether he wants to go through insurance or pay himself. If he simply decides to ignore me what would the options be?

[fourstardan]

With who's agreement to do the work?

[scorcher]

Might aswell let the insurance deal with it now you have told them. Chances are they’ll penalise you for the next three -five years anyway and you’ll have to declare it anyway.

[anonymous-user]

I’m not the ‘at fault’ party. I was stationary & he hit me.

[CarCrazyDad]

scorcher said:

Might aswell let the insurance deal with it now you have told them. Chances are they’ll penalise you for the next three -five years anyway and you’ll have to declare it anyway.

yes, this

[GranpaB]

CarCrazyDad said:

scorcher said:

Might aswell let the insurance deal with it now you have told them. Chances are they’ll penalise you for the next three -five years anyway and you’ll have to declare it anyway.

yes, this

I had a similar situation a few years ago and i let the insurance company sort it out, and i had no increase in premium at renewal.

[martinbiz]

scorcher said:

Might aswell let the insurance deal with it now you have told them. Chances are they’ll penalise you for the next three -five years anyway and you’ll have to declare it anyway.

Here we go, this old chestnut. As you, me, or anyone else on here know nothing about the OP's circumstances, his age, his driving history, his claims history etc etc (all factors that may affect a premium) suggesting he will be automatically penalised for a no fault claim is just drivel and is spouted on here time and time again. Even If he was hit with an increase on renewal, it will have little of no affect after a couple or three years, in just the same way as the effect of 3 points on a premium will decrease with age for the vast majority and are hardly taken into account after 3 years. After getting rear ended a few years ago in my 6 month old Focus, when the ins renewal came up 6 months later it had gone down.

[anonymous-user]

Okay, so he’s the ‘at fault’ party and he’ll be claiming on his policy, is that right? And my no claims will be untouched as my policy won’t be forking out to cover the repairs?

My query was, if he decides to do nothing, no further contact with me & doesn’t inform the insurance co. himself, what are my options? Do I tell them to go after him?

[GranpaB]

Just tell your insurance company and let them deal with it.

[martinbiz]

DrBrule said:

Okay, so he’s the ‘at fault’ party and he’ll be claiming on his policy, is that right? And my no claims will be untouched as my policy won’t be forking out to cover the repairs?

My query was, if he decides to do nothing, no further contact with me & doesn’t inform the insurance co. himself, what are my options? Do I tell them to go after him?

What he does in relation to his vehicle is not your concern. If he is now blanking you, then just let your co deal with it, that's what you pay for. If you have no liability then your co will pay for your repairs, less your excess and then claim them from the 3rd party co, in this case one and the same and they should also be able to get your excess back for you at the same time

[rigga]

GranpaB said:

Just tell your insurance company and let them deal with it.

This is after all , what you pay insurance for.

[Phunk]

rigga said:

GranpaB said:

Just tell your insurance company and let them deal with it.

This is after all , what you pay insurance for.

Better off telling his insurance company, things will move significantly faster.

[LosingGrip]

DrBrule said:

Okay, so he’s the ‘at fault’ party and he’ll be claiming on his policy, is that right? And my no claims will be untouched as my policy won’t be forking out to cover the repairs?

My query was, if he decides to do nothing, no further contact with me & doesn’t inform the insurance co. himself, what are my options? Do I tell them to go after him?

It depends. I had a no fault claim, to speed things up I made the claim on my insurance (I didn’t know his details to start with as I was in hospital). When we got the payout it was minus the excess as it hadn’t been settled.

Couple of months later we got the excess back. Was actually quite nice getting it later.

As it’s the same company it may be different.

[anonymous-user]

Thanks for the replies. We’re both insured with the same company - I’ll call them again tomorrow if he doesn’t reply.

[E63eeeeee...]

Phunk said:

rigga said:

GranpaB said:

Just tell your insurance company and let them deal with it.

This is after all , what you pay insurance for.

Better off telling his insurance company, things will move significantly faster.

Funny.

[Flumpo]

GranpaB said:

CarCrazyDad said:

scorcher said:

Might aswell let the insurance deal with it now you have told them. Chances are they’ll penalise you for the next three -five years anyway and you’ll have to declare it anyway.

yes, this

I had a similar situation a few years ago and i let the insurance company sort it out, and i had no increase in premium at renewal.

That’s my experience too. The wife has a habit of writing cars off and being at fault. Always had cheaper insurance the following years from comparison websites.

Someone also hit me and wrote my car off, again insurance always went down.

It’s obviously down to individual circumstances, but o do wonder what people are doing to be penalised for 3-5 years.

If it’s something exotic maybe.

[BertBert]

There are three options...
1 he pays you direct
2 you contact his insurance company and claim against his policy. Needs the driver to admit faultb to them.
3 you claim on your policy

All three have the potential for a higher premium if your insurance policy device you are higher risk. Option 3 could impact no claims depending on the conditions around your NCB. Number 3 invokes your excess until successful claim back (needing fault admitted from other guy).

The fact that it's the same insurance company didn't change the possible approaches.

[gazza285]

BertBert said:

2 you contact his insurance company and claim against his policy. Needs the driver to admit faultb to them.

Why does the other driver have to admit fault when the OP has witnesses?

[BertBert]

gazza285 said:

BertBert said:

2 you contact his insurance company and claim against his policy. Needs the driver to admit faultb to them.

Why does the other driver have to admit fault when the OP has witnesses?

It's going to be nuanced, the harder it is to prove the other driver is at fault, the harder it will be to claim from his insurance company. Then you end up doing all the running round that your insurance will do if your were to claim on your own policy.

That's the risk of claiming direct and not getting your insurance company do what you have paid them for.

[GranpaB]

BertBert said:

gazza285 said:

BertBert said:

2 you contact his insurance company and claim against his policy. Needs the driver to admit faultb to them.

Why does the other driver have to admit fault when the OP has witnesses?

It's going to be nuanced, the harder it is to prove the other driver is at fault, the harder it will be to claim from his insurance company. Then you end up doing all the running round that your insurance will do if your were to claim on your own policy.

That's the risk of claiming direct and not getting your insurance company do what you have paid them for.

On the few occasions i have had issues, i have never contacted the other parties insurer. I have always called my insurance company, given them all the other parties details, and taken the car in for repair.

It has all cost me absolutely £0.