Someone crashed into my car, should I tell my insurance?

[golders]

Hello, The lady in our office backed into my parked car.

It has damaged the rear wing quite badly.

She has reported it to her insurer (AA insurance).

As its her fault, do I need to report it to my Insurer (Elephant) ?

If I do report it to my insurer will I have to stump up the £250 excess?

Any ideas,

Thanks,

Golders

[bazking69]

Yes. Do it now.

[slomax]

If it is her fault your excess will not be affected at all, you will not have to pay anything. Just inform both insurers and let them deal with it.

[golders]

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

[djt100]

If she admints full liability, you don;t need to report it, I had someone hit the rear of my car before I got round to report it his insurance Co were on the phone saying they could pick up my car to repair it whenever it suited me, My ins co were never involved at all.

[golders]

hello 300bhp,

I got a estimate this morning for the damage and they reckon
£1985 for new wing spraying door boot, removing roof (i'ts an MX5)
etc.

So will have to go insurance route.

She has phoned her insurance and got a claim number which she has given me.

I guess I will have to phone Elephant as I had to give her my policy number
to give to AA insurance.

[TEKNOPUG]

Company car park? Private property? Will her insurer be liable and happily pay out?

[300bhp/ton]

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

[rottie102]

Munter said:

300bhp/ton said:

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

Screw that and all the involved hassle. Possibly bypass your insurer and go directly to hers and tell them to fix it. But I wouldn't bother organising it myself to save someone who can't drive a few pennies.

You are very likeable, aren't you?

[Munter]

300bhp/ton said:

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

Screw that and all the involved hassle. Possibly bypass your insurer and go directly to hers and tell them to fix it. But I wouldn't bother organising it myself to save someone who can't drive a few pennies.

[hondafanatic]

Munter said:

300bhp/ton said:

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

Screw that and all the involved hassle. Possibly bypass your insurer and go directly to hers and tell them to fix it. But I wouldn't bother organising it myself to save someone who can't drive a few pennies.

However, every renewal time you'll have to answer 'yes' to the 'have you had an accident in the last 5 year?'.

Therefore, even though it's not your fault, you'll generally have your premium loaded.

In some cases, it can be cheaper to get it sorted without going through the insurance companies.

(I did say 'in some cases' for the hard of reading.)

[golders]

its crazy how my parked car being hit, can cause my premium to go up.

just does not seem fair that to me. I was minding my own
in the office working away on the PC. Bah humbug!

[The Wookie]

This thread seems to have caused a disruption in the space time continuum

[RedAlfa]

golders said:

its crazy how my parked car being hit, can cause my premium to go up.

just does not seem fair that to me. I was minding my own
in the office working away on the PC. Bah humbug!

Ah .. welcome to The Wonderful World of Motor Insurance . Simple collisions take weeks and months to be settled. Be careful whatever you do ;-)

[Munter]

hondafanatic said:

Munter said:

300bhp/ton said:

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

Screw that and all the involved hassle. Possibly bypass your insurer and go directly to hers and tell them to fix it. But I wouldn't bother organising it myself to save someone who can't drive a few pennies.

However, every renewal time you'll have to answer 'yes' to the 'have you had an accident in the last 5 year?'.

Therefore, even though it's not your fault, you'll generally have your premium loaded.

In some cases, it can be cheaper to get it sorted without going through the insurance companies.

(I did say 'in some cases' for the hard of reading.)

Unfortunately it's already in "the system" as she contacted her insurer, who will tell elephant anyway. The deed is done. Best to go for path of least resistance now I'd think.

[hondafanatic]

Munter said:

hondafanatic said:

Munter said:

300bhp/ton said:

golders said:

Thanks for that info guys. I will give them a ring in a minute.

(my car was parked up whilst i was in the office, so can't be my fault
one would hope)

Before you rush to do anything, I'd speak to the lady and see if she wants to settle outside insurance.

Most claims involve a compulsory and voluntary excess to be paid (lots of people misunderstand that there's two). And if a claim is made against here she'll not only pay the excesses but also have higher insurance.

For this reason she may be more than happy to sort it out with cash. So get a quote to fix your car. Add a £100 on for your time and tell how much you want.

If not, then the claim is through her insurance and not yours, so shouldn't affect your NCB or cost you an excess charge.

Screw that and all the involved hassle. Possibly bypass your insurer and go directly to hers and tell them to fix it. But I wouldn't bother organising it myself to save someone who can't drive a few pennies.

However, every renewal time you'll have to answer 'yes' to the 'have you had an accident in the last 5 year?'.

Therefore, even though it's not your fault, you'll generally have your premium loaded.

In some cases, it can be cheaper to get it sorted without going through the insurance companies.

(I did say 'in some cases' for the hard of reading.)

Unfortunately it's already in "the system" as she contacted her insurer, who will tell elephant anyway. The deed is done. Best to go for path of least resistance now I'd think.

Yep. Good point.

[rottie102]

The Wookie said:

This thread seems to have caused a disruption in the space time continuum

Nah, I'm just that quick...

[croyde]

My parked car was hit by a lady skidding in the snow last winter. I did everything through her insurance co (She did not want to pay out in cash). Took a while and a bit of a headache for me but it was all sorted in the end.

Come renewal time, my insurance company knew about it and loaded my new quote with a non fault claim.

They share all their info don't you know.

So with the cost of loaded premiums for the next 5 years it would have been cheaper to pay for the damage myself.

[golders]

yeah, i will call Elephant to make sure they have all the details etc.

Thanks guys.

[SamPet]

rottie102 said:

The Wookie said:

This thread seems to have caused a disruption in the space time continuum

Nah, I'm just that quick...

I pity your wife/girlfriend