other party insurance contacting after crash
Discussion
My daughter's car was crashed into whilst stationary yesterday - she swapped details with the other party, who admitted liability. My daughter contacted her insurance, and later in the day was contacted by the insurers of the other (at fault) party, who were offering to sort out the damage and provide a rental car, then today they contacted again offering the same and a cash incentive if she allowed them to crack on rather
presumably they are looking to reduce their claim cost by cutting out my daughters own insurers - is there a catch? she hasnt heard from her own insurers as yet, having only sent all the required info' late last night. my gut feeling is to let her own insurers co-ordinate things - as she is their customer.
thanks for tips
presumably they are looking to reduce their claim cost by cutting out my daughters own insurers - is there a catch? she hasnt heard from her own insurers as yet, having only sent all the required info' late last night. my gut feeling is to let her own insurers co-ordinate things - as she is their customer.
thanks for tips
They are trying to cut the cost of the claim, there is no catch, if they can provide the hire car instead it is significantly cheaper than if your daughter goes through her own insurer who sub contract to an accident management company and the costs spiral, it's not dodgy, it's becoming a common practice
I think that the TP insurers are trying to avoid you using an Accident Management Company and reduce their costs by dealing direct.
In my opinion there are pros and cons of different routes but the TP Insurer will have a vested interest in a quick settlement which is in your interest. I would avoid using an AMC as I personally think they push up costs which ultimately affect us all. Their driver is to increases costs as it benefits them.
In my opinion there are pros and cons of different routes but the TP Insurer will have a vested interest in a quick settlement which is in your interest. I would avoid using an AMC as I personally think they push up costs which ultimately affect us all. Their driver is to increases costs as it benefits them.
100% go with the 3rd party insurer if you can. They have a vested interest in sorting it out quickly and simply, which you can't say for your insurers who will almost certainly pass it over to an accident management company. At which point you will be knee deep in excessive hire car charges and personal injury lawyers.
My car was recently hit while parked and locked. Owner coughed and admitted liability (not much else he could do). His insurers (Direct Line) called that evening admitting liability and they would collect the car for repair. I said I’d like to choose the repairer - fine just get a quote. I insisted on a new OEM panel rather than a repair - that was fine too.
I notified my insurer straight away just in case I needed them to step in.
Repair all approved and car now back repaired as new. As a no fault claim I thought Direct Line were brilliant and made the process very easy.
I notified my insurer straight away just in case I needed them to step in.
Repair all approved and car now back repaired as new. As a no fault claim I thought Direct Line were brilliant and made the process very easy.
anxious_ant said:
Yes, TP will try to sort this as quickly and cheaply as possible.
How serious is the damage to your car?
How serious is the damage to your car?
2 year old suzuki swift, if she goes with third parties insurance does she need to do anything with her own insurance, she has already logged the incident with them
anxious_ant said:
Yes, TP will try to sort this as quickly and cheaply as possible.
How serious is the damage to your car?
If you're trying to imply that you'll get a lesser quality of repair and service from the 3rd party, that wasn't my experience.How serious is the damage to your car?
Two non-fault incidents with my 911 in the last 5 years. The one that was dealt with by the third party had them pick up the car, take it to a Porsche-approved bodyshop and drop it back. The one that was dealt with by my insurers nominated accident management company required me to drop it off and pick it up, and if I wanted it done by an approved repairer then my closest option was 80 miles away.
deckster said:
anxious_ant said:
Yes, TP will try to sort this as quickly and cheaply as possible.
How serious is the damage to your car?
If you're trying to imply that you'll get a lesser quality of repair and service from the 3rd party, that wasn't my experience.How serious is the damage to your car?
Two non-fault incidents with my 911 in the last 5 years. The one that was dealt with by the third party had them pick up the car, take it to a Porsche-approved bodyshop and drop it back. The one that was dealt with by my insurers nominated accident management company required me to drop it off and pick it up, and if I wanted it done by an approved repairer then my closest option was 80 miles away.
Dog Star said:
Third party insurer contacting you and sorting it all out is the dream ticket IMO.
Absolutely this. When my car was hit from behind, the at fault parties insurer not only offered me a better courtesy car than my insurer was going to provide, but also £200 straight to my bank account. Also got the car fixed at my prefered garage. It all went very smoothly, much to my astonishment.deckster said:
anxious_ant said:
Yes, TP will try to sort this as quickly and cheaply as possible.
How serious is the damage to your car?
If you're trying to imply that you'll get a lesser quality of repair and service from the 3rd party, that wasn't my experience.How serious is the damage to your car?
Two non-fault incidents with my 911 in the last 5 years. The one that was dealt with by the third party had them pick up the car, take it to a Porsche-approved bodyshop and drop it back. The one that was dealt with by my insurers nominated accident management company required me to drop it off and pick it up, and if I wanted it done by an approved repairer then my closest option was 80 miles away.
My wife had a prang recently and her insurance company were clear that they considered this to be a non-fault claim and so sent us down the AMC route. The third party was protesting that it was nothing to do with her (rear passengers opening a door into my wife's car as it was already quite some way past, so not my wife driving into an open door) so going to her insurer was sadly not an option. I don't really like the concept of AMCs but there really was no other option to get things sorted out.
I went half and half a year ago when my car was hit, my lot sorted my car repairs out and third party did hire car and money for child seats. As above, it’s in everyone’s interests (apart from the parasitic management companies) that the third party sort it - the am companies are so inflated that there’s no drop in the service you’ll get and if it becomes known that they mess you about they’ll put everyone off doing it, so they don’t.
ETA yes, I thought it was weird and too good to be true as well but they do look after you.
ETA yes, I thought it was weird and too good to be true as well but they do look after you.
In my experience, it depends on the third party's insurance company - if they're an established, reputable company then you should be fine.
A couple of years ago, my wife had two non-fault accidents in one of my cars in the space of a couple of months. Both times I went to the third party insurer.
The first one was Aviva, who were brilliant. A hire car was dispatched immediately, a good settlement was agreed for the car and, most importantly, physio was arranged for my wife who had suffered whiplash and shoulder injuries. The claim was resolved within a couple of weeks.
A couple of months later she was hit by another old woman while stationary. This time, the old woman was insured with the Co-op who were brokering for other, random insurance companies. The company to which we were passed was awful. Besides the aggressive claim handler, no hire car was offered or sent, a derisory offer was given for my car, and we were expected to front all costs ourselves to reclaim later, including physio.
I gave them a week, and then went to my own insurer, Admiral, who dealt with everything instead. A hire car arrived within a couple of days, a good settlement for the car was arranged as well as physio for my wife, whose injuries had been exacerbated by the second crash. This claim did take quite a bit longer to process, partially due to the procrastination of the third party insurer, who refused to talk to my insurer for nearly a month.
So, in summary, going direct to the third party can work very well, but have a back up plan if you get an unscrupulous company or sub-par service.
A couple of years ago, my wife had two non-fault accidents in one of my cars in the space of a couple of months. Both times I went to the third party insurer.
The first one was Aviva, who were brilliant. A hire car was dispatched immediately, a good settlement was agreed for the car and, most importantly, physio was arranged for my wife who had suffered whiplash and shoulder injuries. The claim was resolved within a couple of weeks.
A couple of months later she was hit by another old woman while stationary. This time, the old woman was insured with the Co-op who were brokering for other, random insurance companies. The company to which we were passed was awful. Besides the aggressive claim handler, no hire car was offered or sent, a derisory offer was given for my car, and we were expected to front all costs ourselves to reclaim later, including physio.
I gave them a week, and then went to my own insurer, Admiral, who dealt with everything instead. A hire car arrived within a couple of days, a good settlement for the car was arranged as well as physio for my wife, whose injuries had been exacerbated by the second crash. This claim did take quite a bit longer to process, partially due to the procrastination of the third party insurer, who refused to talk to my insurer for nearly a month.
So, in summary, going direct to the third party can work very well, but have a back up plan if you get an unscrupulous company or sub-par service.
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