Late insurance claim
Discussion
More of a rant than anything.
Daughter has been driving for 11 months. Turns out she had a minor knock at traffic lights two week ago - ran into the back of the car in front. Her and other driver got out, checked the cars, agreed there was no damage, and went about the rest of their day. She said he was very nice about it, and I've seen her car (Yaris) and there is no scratch, scuff or anything to the bumper.
Roll on two weeks and we've had a call from his insurance company as he is claiming for repairs to the bumper, bootlid, exhaust and other bits and bobs amounting to a couple of grand. All seems a bit suspect to me, but as we have no information about it I guess we'll just have to suck it up.
Daughter has been driving for 11 months. Turns out she had a minor knock at traffic lights two week ago - ran into the back of the car in front. Her and other driver got out, checked the cars, agreed there was no damage, and went about the rest of their day. She said he was very nice about it, and I've seen her car (Yaris) and there is no scratch, scuff or anything to the bumper.
Roll on two weeks and we've had a call from his insurance company as he is claiming for repairs to the bumper, bootlid, exhaust and other bits and bobs amounting to a couple of grand. All seems a bit suspect to me, but as we have no information about it I guess we'll just have to suck it up.
Ham_and_Jam said:
Quite possibly went home and washed the affected area and noticed small scratches / glazed paintwork.
It really doesn’t take much to get to a couple of grand where paintwork is concerned.
Was it a newish car? Did she take any piccies?
She has no idea what type of car it was apart from it was black or dark grey. No pics as he looked at it all and said it was fine. TBH I'm not sure she'd have thought about taking pics anyway, she's not that worldy wise yet.It really doesn’t take much to get to a couple of grand where paintwork is concerned.
Was it a newish car? Did she take any piccies?
boyse7en said:
She has no idea what type of car it was apart from it was black or dark grey. No pics as he looked at it all and said it was fine. TBH I'm not sure she'd have thought about taking pics anyway, she's not that worldy wise yet.
Quite understated that. Unfortunately its just something that needs to be done in this modern world. Gone are the days of a handshake and gentlemans agreement.
Always take pictures of the car, reg, driver and any (potential) damage. Quick video of the area also helps recollect any hazy memories.
Get a dash cam fitted aswell if not already installed.
Ham_and_Jam said:
Quite possibly went home and washed the affected area and noticed small scratches / glazed paintwork.
It really doesn’t take much to get to a couple of grand where paintwork is concerned.
Was it a newish car? Did she take any piccies?
Has an ex-colleague at work who we all thought was a reasonable and nice guy. Turned up at work one day in a neck brace after being rear ended at the weekend. Another colleague who was in the car filled us in on the gentlest of bumps. It seemed that the Indian call centres and the few thousand pounds of compo changed his mind. It really doesn’t take much to get to a couple of grand where paintwork is concerned.
Was it a newish car? Did she take any piccies?
If it's of any comfort, I had someone rear-end me in a low speed bump at traffic lights many years ago. To look at the rear of my car you'd never have known, it was only when I lifted the boot floor when I got home that it became apparent that there was a fair bit of damage that required quite a bit of work.
Similar happened to my daughter in law, nudged rear of a private hire taxi when stopping, stopped to check everything and took photos which showed no damage to either vehicle other than dirt transference. The taxi driver didn't seem concerned but guess what, the two female chavs who were passengers developed 'whiplash' and made injury claims!. Despite the photos and detailed statement to her insurance they decided not to fight it and paid up some compensation so next years premium went up due to injury fault accident.
As you say you've got to suck it up, just hope that he gets Karma at some point.
As you say you've got to suck it up, just hope that he gets Karma at some point.
Two weeks between the incident occurring and notification to the other parties insurer is not late notification at all. In fact it’s quite a reasonable period of time to be fair. Remember the limitation period to issue a County Court claim for special damages such as this is six years.
Also, I’m not sure why you’re such aggrieved at the third party for making a claim. Your daughter admits she went into the back of someone. She’s at fault. Can she categorically state that she inspected the third party vehicle and there was no damage whatsoever?
Just let the insurer deal with the claim.
Don’t be surprised if a personal injury claim follows a few months later…
Also, I’m not sure why you’re such aggrieved at the third party for making a claim. Your daughter admits she went into the back of someone. She’s at fault. Can she categorically state that she inspected the third party vehicle and there was no damage whatsoever?
Just let the insurer deal with the claim.
Don’t be surprised if a personal injury claim follows a few months later…
I was rear-ended at low speed late last year. Upon examination, the rear bumper was creased because of the contact, given the car is 3 years old and was in perfect nick before being driven into, I had it repaired on the insurance of the person who did it.
With the plastic fender and colour-matching, it wasn't cheap. Thankfully, there was no underlying damage.
Better to pay attention and not drive into the vehicle in front......unfortunate as it is, it is unavoidable.
With the plastic fender and colour-matching, it wasn't cheap. Thankfully, there was no underlying damage.
Better to pay attention and not drive into the vehicle in front......unfortunate as it is, it is unavoidable.
I'm not sure if things have changed but many years ago, late 80's or early 90's, my father ran into the back of a car at a roundabout as the car in front hesitated.
No damage to either vehicle but nearly 2 years later a claim arose from the passenger of the other vehicle claiming neck injuries.
Back then you had up to 2 years to make a claim.
No damage to either vehicle but nearly 2 years later a claim arose from the passenger of the other vehicle claiming neck injuries.
Back then you had up to 2 years to make a claim.
curvature said:
I'm not sure if things have changed but many years ago, late 80's or early 90's, my father ran into the back of a car at a roundabout as the car in front hesitated.
No damage to either vehicle but nearly 2 years later a claim arose from the passenger of the other vehicle claiming neck injuries.
Back then you had up to 2 years to make a claim.
3 years from becoming aware of suffering an injury. No damage to either vehicle but nearly 2 years later a claim arose from the passenger of the other vehicle claiming neck injuries.
Back then you had up to 2 years to make a claim.
6 years for property claims like this.
2 weeks isn’t a late claim.
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