none fault insurance. claim

[harry elise]

Hi all just looking for advice
I have a company pick up truck
This was hit in the rear and will be written of
The vehicle is insured. On the company's. Policy
Will I have to declare. This on my private. Insurance. On my lotus and will it affect my policy
Your thoughts. Please thanks
Harry

[MacW]

You may try and hide behind 'Harry' but we can all tell you're really William Shatner.

[andyc11]

Afraid so, insurers want to know about any accident you've been involved in regardless of blame or whether a claim was made.

[askew]

MacW said:

You may try and hide behind 'Harry' but we can all tell you're really William Shatner.

/me chuckles

[Retroman]

andyc11 said:

Afraid so, insurers want to know about any accident you've been involved in regardless of blame or whether a claim was made.

Are you sure?

If the vehicle is registered to the company and it was hit when no one was driving it, i wouldn't be declaring it on my personal policy. (unless i was named on the company policy)

[Magic919]

I was thinking Telly Savalas.

[supermono]

Seems irrelevant to me. Sure insurance companies tell you they want you to give them every opportunity to increase your premiums, but you didn't have this accident so it cannot affect the risk any more than the hundreds of other accidents taking place every day yo also didn't have.

[LoonR1]

MacW said:

You may try and hide behind 'Harry' but we can all tell you're really William Shatner.

Genius

[LoonR1]

supermono said:

Seems irrelevant to me. Sure insurance companies tell you they want you to give them every opportunity to increase your premiums, but you didn't have this accident so it cannot affect the risk any more than the hundreds of other accidents taking place every day yo also didn't have.

It's actually quite relevant, especially if he claims on his policy for this, even if all the outlay is recovered from the other side. He should declare it. The reason it's relevant is what happens if it happens next time amd the other driver just clears off, leaving his insurers to pick up the repair bill?

Nobody can answer the question over whether it will put his premium up or not. Some insurers will increase, some will leave it the same amd some others may well reduce it. It all depends on their underwriting criteria.

[ZOLLAR]

MacW said:

You may try and hide behind 'Harry' but we can all tell you're really William Shatner.

As I read it, I heard his voice.

[balls-out]

you have to answer the questions you are asked honestly.

So if you were driving this happened, I think you will have to admit being involved in an accident.

if you:
- weren't driving
- don't own it
- don't insure it
- didn't claim (because the company did)

I suspect you can answer all the questions most insurance company's ask without mentioning this. As I understand it, there is no longer a duty to disclose information - just answer questions honestly.


OP - were you driving the vehicle at the time?

Edited by balls-out on Thursday 12th February 12:02

[LoonR1]

balls-out said:

you have to answer the questions you are asked honestly.

So if you where driving this happened, I think you will have to admit being involved in an accident.

if you:
- weren't driving
- don't own it
- don't insure it
- didn't claim (because the company did)

I suspect you can answer all the questions most insurance company's ask without mentioning this. As I understand it, there is no longer a duty to disclose information - just answer questions honestly.

Amd if the question is "have you been involved in an accident, or suffered any loss, whether insured or not in any vehicle owned or driven by you?" How would you answer that? If he claims on his policy, irrespective of whether it's a company policy or not, then he should declare it.

[supermono]

LoonR1 said:

some others may well reduce it. It all depends on their underwriting criteria.

Holding post for everyone who's insurers reduced their premium because a car they weren't driving was crashed into while parked.

[LoonR1]

supermono said:

LoonR1 said:

some others may well reduce it. It all depends on their underwriting criteria.

Holding post for everyone who's insurers reduced their premium because a car they weren't driving was crashed into while parked.

Boring and to complete the irony of me saying "boring" it's "whose" not "who's". The latter of is a contraction of "who is" read your post again using "who is" and it'll make no sense.

Do you really think someone is going to come on and say "bd robbing insurance companies have put me premium down this year?" Are they hell, they're only going to come on saying the opposite.