Non Fault claim - What to do?
Discussion
Evening folks.
Last week my wife was in a small bump. A guy driving a flat bed van reversed into our Aygo whilst carrying out a 3 point turn, wrecking the bonnet of our car and causing some small scratches to the bumper. We have an independent witness to the accident. The car is still driveable, and apart from needing a new bonnet, the rest of the damage appears minor. There was no obvious damage to the other parties van. The other driver did not admit liability at the time, with his company later saying it would be down to insurance companies to sort out as their driver is now claiming my wife drove into the back of him.
Fast forward a week and our insurance company are now saying his insurance company have admitted liability, as such we can either go through out own policy with us initially paying our excess, getting the car repaired and claiming the excess back later, or go through Auxillis, getting our car repaired where we wouldn't have to pay out anything.
I've not heard great things about Auxillis, so I contacted the 3rd parties insurance company directly with a view to keeping costs down and avoiding having to pay out my excess, however they are saying liability has not been established, they can't get a hold of their clients to discuss liability so they can't authorise repair of my vehicle at this time.
To muddy things further we have had messages from the 3rd party insurance company admitting liability, then saying that message was sent in error. Out own insurance company are adamant the other party have admitted liability through whatever portal insurance companies use to communicate with each other.
I'm not sure what the best option is.
1. Go though my own insurance company, pay our excess in the first instance (£550) and hopefully get it back
2. Go through Auxillis, but what if the 3rd party dispute liability?
3. Wait on 3rd party to confirm a decision on liability?
We just want the car repaired with little or no cost to ourselves.
Thanks in advance. T.
Last week my wife was in a small bump. A guy driving a flat bed van reversed into our Aygo whilst carrying out a 3 point turn, wrecking the bonnet of our car and causing some small scratches to the bumper. We have an independent witness to the accident. The car is still driveable, and apart from needing a new bonnet, the rest of the damage appears minor. There was no obvious damage to the other parties van. The other driver did not admit liability at the time, with his company later saying it would be down to insurance companies to sort out as their driver is now claiming my wife drove into the back of him.
Fast forward a week and our insurance company are now saying his insurance company have admitted liability, as such we can either go through out own policy with us initially paying our excess, getting the car repaired and claiming the excess back later, or go through Auxillis, getting our car repaired where we wouldn't have to pay out anything.
I've not heard great things about Auxillis, so I contacted the 3rd parties insurance company directly with a view to keeping costs down and avoiding having to pay out my excess, however they are saying liability has not been established, they can't get a hold of their clients to discuss liability so they can't authorise repair of my vehicle at this time.
To muddy things further we have had messages from the 3rd party insurance company admitting liability, then saying that message was sent in error. Out own insurance company are adamant the other party have admitted liability through whatever portal insurance companies use to communicate with each other.
I'm not sure what the best option is.
1. Go though my own insurance company, pay our excess in the first instance (£550) and hopefully get it back
2. Go through Auxillis, but what if the 3rd party dispute liability?
3. Wait on 3rd party to confirm a decision on liability?
We just want the car repaired with little or no cost to ourselves.
Thanks in advance. T.
As your insurance company know all about the incident I can't see how getting them to repair the car makes much difference now.
The other party are playing silly buggers for whatever reason and you are left without getting the car repaired.
I would just let your insurer get your car repaired and then let them argue the toss especially as you have a witness.
I would add that 'being not at fault' in the insurance world means your insurer gets their money back from the other party not that you are blameless. If the other insurer doesn't pay, your insurer would consider you to be at fault in their world and charge accordingly.
The other party are playing silly buggers for whatever reason and you are left without getting the car repaired.
I would just let your insurer get your car repaired and then let them argue the toss especially as you have a witness.
I would add that 'being not at fault' in the insurance world means your insurer gets their money back from the other party not that you are blameless. If the other insurer doesn't pay, your insurer would consider you to be at fault in their world and charge accordingly.
Edited by Inbox on Thursday 28th August 22:26
I've just been through this process, also with a commercial vehicle.
Mine was cleaner, the other party admitted guilt and their insurance sent a text and email within 2 days explaining there was no need to claim, use a CMC or be out of pocket in anyway. we eventually agreed a sum, based on quotes, to close the matter as being a classic I wanted to use my own bodyshop.
Important part - I had contacted my own insurer immediately. they advised me to resolve it myself if possible as to involve them would make it a claim. it is now "noted" on my file but is not a claim. You seem to have a more troublesome other party so it's difficult to advise. Be aware that if you use your own insurance to chase it through it will be a claim no matter how they resolve it amongst themselves.
Mine was cleaner, the other party admitted guilt and their insurance sent a text and email within 2 days explaining there was no need to claim, use a CMC or be out of pocket in anyway. we eventually agreed a sum, based on quotes, to close the matter as being a classic I wanted to use my own bodyshop.
Important part - I had contacted my own insurer immediately. they advised me to resolve it myself if possible as to involve them would make it a claim. it is now "noted" on my file but is not a claim. You seem to have a more troublesome other party so it's difficult to advise. Be aware that if you use your own insurance to chase it through it will be a claim no matter how they resolve it amongst themselves.
Inbox said:
Do you have a protected NCD on that policy?
It's my multicar policy, however the car is insured in my daughters name. Its her first ever policy, so she doesn't have a NCD.My wife who was driving has a decent NCD on her own car, which is also insured through my multi car policy, but in her own name.
If that makes sense.
the-norseman said:
When I had an accident, other party at fault and admitted it, I got my insurance to represent me.
I was told letting the other parties insurance deal with it, will mean you definitely get less write off value.
I'm hoping it doesn't get written off. A new bonnet for an Aygo isn't particularly expensiveI was told letting the other parties insurance deal with it, will mean you definitely get less write off value.
Terzo123 said:
Inbox said:
Do you have a protected NCD on that policy?
It's my multicar policy, however the car is insured in my daughters name. Its her first ever policy, so she doesn't have a NCD.My wife who was driving has a decent NCD on her own car, which is also insured through my multi car policy, but in her own name.
If that makes sense.
Good advice.
I was likewise hit by another ( who admitted it ) their insurance paid it all but is is still a no fault claim on me and the premiums go up !
You want to avoid a new driver having any sort of claim so ask your insurer as you want this to be on the wife not daughter. To the wife if will be say£50 o the premium for your daughter it could be hundreds. To me there is no logic as to why people a penalised for no fault claims. I was legally parked she reversed and drive into the side of me. How is that in any way down to me!
I was likewise hit by another ( who admitted it ) their insurance paid it all but is is still a no fault claim on me and the premiums go up !
You want to avoid a new driver having any sort of claim so ask your insurer as you want this to be on the wife not daughter. To the wife if will be say£50 o the premium for your daughter it could be hundreds. To me there is no logic as to why people a penalised for no fault claims. I was legally parked she reversed and drive into the side of me. How is that in any way down to me!
Jeremy-75qq8 said:
Good advice.
I was legally parked she reversed and drive into the side of me. How is that in any way down to me!
It's not that it's down to you. It's just that you now fall into a group, people with a non fault claim, and some insurers have stats to show that group is more likely to claim in the future than people with no accident at all.I was legally parked she reversed and drive into the side of me. How is that in any way down to me!
You were hit whilst parked. So people are hit whilst parked because they often park in a car park at work with tight spaces, or another high risk location. So they are more likely to be hit again, and next time might not know who did it. And that can affect the overall stats for people in the group you now find yourself in.
It's not personal, it's just statistics.
Just use Auxillis
We had somebody rear end my wife a few years back, Auxillis made it painless - sorted the courtesy car, coordinated with us dropping it to the main dealer for repair and doing so meant I didn't have to front the £1500 excess for x years until it could be claimed back.
We had somebody rear end my wife a few years back, Auxillis made it painless - sorted the courtesy car, coordinated with us dropping it to the main dealer for repair and doing so meant I didn't have to front the £1500 excess for x years until it could be claimed back.
This is the thing I don't understand with car insurance - claiming is/can be far too complicated. There should just be one process for claiming if you're at fault and one process if you're not at fault. The OP has the choice of three and shouldn't have to work out what might be the best route! I don't think this thread will help as each of those three processes has been highlighted/used by you guys posting.
I haven't had to make a claim in like 20+ years but I know the day will come and would be equally as stumped as the OP [saying that, I guess if you are at fault, the only option is go through your own insurance, though even then I guess they'd try to push you onto a CMC].
On another note, having to deal with straight up lying f***s like the van driver would boil my p1ss.
I haven't had to make a claim in like 20+ years but I know the day will come and would be equally as stumped as the OP [saying that, I guess if you are at fault, the only option is go through your own insurance, though even then I guess they'd try to push you onto a CMC].
On another note, having to deal with straight up lying f***s like the van driver would boil my p1ss.
Edited by BUG4LIFE on Friday 29th August 12:39
BUG4LIFE said:
This is the thing I don't understand with car insurance - claiming is/can be far too complicated. There should just be one process for claiming if you're at fault and one process if you're not at fault. The OP has the choice of three and shouldn't have to work out what might be the best route! I don't think this thread will help as each of those three processes has been highlighted/used by you guys posting.
I haven't had to make a claim in like 20+ years but I know the day will come and would be equally as stumped as the OP [saying that, I guess if you are at fault, the only option is go through your own insurance, though even then I guess they'd try to push you onto a CMC].
On another note, having to deal with straight up lying f***s like the van driver would boil my p1ss.
If only people didn't tell porkies, guilded the lilly, etc and admitted when they were at fault, sadly that is a fantasy world, back in the real world...I haven't had to make a claim in like 20+ years but I know the day will come and would be equally as stumped as the OP [saying that, I guess if you are at fault, the only option is go through your own insurance, though even then I guess they'd try to push you onto a CMC].
On another note, having to deal with straight up lying f***s like the van driver would boil my p1ss.
Edited by BUG4LIFE on Friday 29th August 12:39
BUG4LIFE said:
This is the thing I don't understand with car insurance - claiming is/can be far too complicated. There should just be one process for claiming if you're at fault and one process if you're not at fault. The OP has the choice of three and shouldn't have to work out what might be the best route!
If you were restricted to one route, people would be posting "bloody insurance, there's no customer choice, why can't I claim the way I want to?"TwigtheWonderkid said:
BUG4LIFE said:
This is the thing I don't understand with car insurance - claiming is/can be far too complicated. There should just be one process for claiming if you're at fault and one process if you're not at fault. The OP has the choice of three and shouldn't have to work out what might be the best route!
If you were restricted to one route, people would be posting "bloody insurance, there's no customer choice, why can't I claim the way I want to?"I was knocked off my motorbike last year after a driver took the wrong exit on a roundabout then turned back on to it. I claimed off the 3rd party insurer. Even with dashcam footage and a witness it took them over 6 months to accept liability and a further 9 months to fully settle the claim 8 days before the court case. My premiums have more than doubled as a result and it's listed as a non fault claim.
BUG4LIFE said:
Why would anyone not want one clear, simple, no ifs or buts process. Choice isn’t great when you have to claim on car insurance, as the OP is finding out. Lets us know what you decide to do OP.
The entire industry, insurance industry and associated legal profession is self serving, the solicitors want disputes and cases to go on and on so they can bill the insurance industry. The insurance industry want to hold as many people liable as they can so they can increase premiums.Why does it take years, yes years to decide some cases where there has been injuries to people involved in accidents. Virtually every case that comes before the industry has been seen before hundreds of times yet the gravy train rolls on so money can be made by dragging claims on.
Some of costs of administering these claims far outways the amount paid out to the claimant.
All the people involved in the industry have a vested interest in keeping it complicated.
Jack Straw MP tried to sort it out, he ended up nearly having a nervous breakdown.
Terzo123 said:
the-norseman said:
When I had an accident, other party at fault and admitted it, I got my insurance to represent me.
I was told letting the other parties insurance deal with it, will mean you definitely get less write off value.
I'm hoping it doesn't get written off. A new bonnet for an Aygo isn't particularly expensiveI was told letting the other parties insurance deal with it, will mean you definitely get less write off value.
I did this when someone hit my old Forester. They were liable and I claimed directly off their insurer. Otherwise it would have been scrapped. One 2nd hand wing and headlight from Ebay and it was fixed.
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