Truck wheel hit car - insurance fault advice?
Discussion
Earlier this year my OH was driving her company car south on the A1, a wheel from a truck heading north came off and over the central and hit her car full in the face - think the insurance claim was about 7k.
Her insurance paid out as the truck was (probably stupidly) never followed up. This will have to be admitted to on our new private policy, but, will this go down as fault or what?
On confused.com it only gives a handful of pretty black and white options, a company like DL has a lot of scenarios... obviously you can’t do much if a tyre hits you, but how do we find out (or does this even happen) what it’s actually recorded as? I’m scared s
tless of a breakdown in communication ending up with a cancelled policy moving on..:
Any advice appreciated.
Her insurance paid out as the truck was (probably stupidly) never followed up. This will have to be admitted to on our new private policy, but, will this go down as fault or what?
On confused.com it only gives a handful of pretty black and white options, a company like DL has a lot of scenarios... obviously you can’t do much if a tyre hits you, but how do we find out (or does this even happen) what it’s actually recorded as? I’m scared s
tless of a breakdown in communication ending up with a cancelled policy moving on..:Any advice appreciated.
Fault. If the insurer can’t claim their money back from someone then it’s a fault claim. Forget whether you think it’s fault or not, that’s not the real definition.
Oh and I think I’d be counting my lucky stars that she’s still here, rather than flapping about a few quid on insurance.
Oh and I think I’d be counting my lucky stars that she’s still here, rather than flapping about a few quid on insurance.
Lindun said:
Fault. If the insurer can’t claim their money back from someone then it’s a fault claim. Forget whether you think it’s fault or not, that’s not the real definition.
Oh and I think I’d be counting my lucky stars that she’s still here, rather than flapping about a few quid on insurance.
So the first reply is by an arse. At point have a moaned about a potential cost increase?.. I’m only wanting to know how or where stuff is recorded so I can give the right answers so I don’t end up with a cancelled policy for duff information.Oh and I think I’d be counting my lucky stars that she’s still here, rather than flapping about a few quid on insurance.
and yes, she was really lucky, I really don’t need that explaining to me.
Why is it a smart arse comment? It’s a genuine statement where I’ve answered it correctly and then highlighted the far more important part of your girlfriend getting hit head on by a wheel on the motorway and surviving that.
But in the true spirit of PH. She’s a SWT and money matters. Better?
But in the true spirit of PH. She’s a SWT and money matters. Better?
Lindun said:
Why is it a smart arse comment? It’s a genuine statement where I’ve answered it correctly and then highlighted the far more important part of your girlfriend getting hit head on by a wheel on the motorway and surviving that.
But in the true spirit of PH. She’s a SWT and money matters. Better?
Honestly mate, keep off the thread.. Again, not at any point have I mentioned money, it’s irrelevant.But in the true spirit of PH. She’s a SWT and money matters. Better?
Speak to the insurance and explain verbally exactly what happened. You just need to make an honest declaration of the facts as you understand them. They will quote then and make whatever “loading” they feel appropriate. If still not happy then call them and speak to them as after all they want your business and your partner was just unlucky and lucky on the same day.
Please though remember to read the paperwork when it comes through. I got lazy and didn’t do this in the past then had to claim and it was only the recorded calls that showed I had been honest and the brokers had put a complete load of different stuff against my policy. I had a lucky escape to the tune of £15k.
Please though remember to read the paperwork when it comes through. I got lazy and didn’t do this in the past then had to claim and it was only the recorded calls that showed I had been honest and the brokers had put a complete load of different stuff against my policy. I had a lucky escape to the tune of £15k.
Ok thanks, pretty much as thought.
Re the accident, I can’t do no more than tell them as it was? Or does the story need to tally up against what the company insurance company has on file?
Will chase up tomorrow the company insurance and see what they say, the truck went on to have a big accident north bound and an incident number was given to the insurer, so they maybe recovered their costs without us knowing.
Re the accident, I can’t do no more than tell them as it was? Or does the story need to tally up against what the company insurance company has on file?
Will chase up tomorrow the company insurance and see what they say, the truck went on to have a big accident north bound and an incident number was given to the insurer, so they maybe recovered their costs without us knowing.
rlg43p said:
Lindun said:
Oh and I think I’d be counting my lucky stars that she’s still here, rather than flapping about a few quid on insurance.
Why the fk are there so many idiots on PH that can't keep their smartarse opinions to themselves?desolate said:
Is your wife's car insured by her employer on a fleet policy or is her car she uses for work?
If it's the former it's unlikely it will be recorded against her.
But still requires declaring as the claim will be logged on the database along with her driver details, all searchable and referencable, same as a named driver claim on a normal policy.If it's the former it's unlikely it will be recorded against her.
dibblecorse said:
But still requires declaring as the claim will be logged on the database along with her driver details, all searchable and referencable, same as a named driver claim on a normal policy.
If it's a fleet policy they aren't recorded in a central database.So she would declare a non fault claim as she has no idea what her employer's insurance arrangements are.
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