Driver admitting liability wants to go through insurance?
Discussion
Heskey said:
I find it bizarre that premiums can rise on non-fault claims when you weren't even present - I could possibly understand this being the case if you were present and 'owing to the presence of your vehicle, the accident for which you are not to blame occurred'.
I also find it bizarre that a few people here are ignoring the fact that I've spoken to my insurers who say this is the case, and still want me to dive head-first into a claim as that's "what insurance companies are for".
To my mind, insurance companies are an evil necessity who will have you by the balls whichever way you cut a situation, whether it's your fault or not.
Not actually true. Your insurance company will put your renewal up anyway claim or not, thats what they do best.I also find it bizarre that a few people here are ignoring the fact that I've spoken to my insurers who say this is the case, and still want me to dive head-first into a claim as that's "what insurance companies are for".
To my mind, insurance companies are an evil necessity who will have you by the balls whichever way you cut a situation, whether it's your fault or not.
You should shop around, and you should find its gone down as a non fault. Its happened to me aswell.
The point I raised is IF you claim with them, you pay an excess, and will loose your NCB until its sorted out. In the meantime if your renewal is due you may find you have lost your NCB.
Thats why its easier to use a company that dont use your insurance. Tell them by all means but DO NOT CLaim
nottyash said:
You should shop around
My company have been the cheapest for all 4 years, through various price comparison sites and then direct quotes played off one another.nottyash said:
The point I raised is IF you claim with them, you pay an excess, and will loose your NCB until its sorted out.
I pay an excess when it's HER insurance company that will be paying? I don't understand.nottyash said:
Thats why its easier to use a company that dont use your insurance. Tell them by all means but DO NOT CLaim
Any recommendations? Surely they'll just put up my premium anyway for informing them, and then they play no further part other than saying "thanks for dobbing yourself in it - that'll be another £££ per year please."I had an idiot drive into my car, whilst it was parked.
She said we'd have to go through insurance but I know for a fact my insurance will go up next year from being more of a risk, so I've not bothered about it.. I'll just get it resprayed some time.
It's f
king annoying, and stupid that it'll cost me in the long run but nothing we can do about it.
She said we'd have to go through insurance but I know for a fact my insurance will go up next year from being more of a risk, so I've not bothered about it.. I'll just get it resprayed some time.
It's f
king annoying, and stupid that it'll cost me in the long run but nothing we can do about it.balls-out said:
Because statiscally, If you have been involved in an (no fault) accident once, you are more likely to again. Its a fact.
Indeed, and in this specific case it shows that the OP sometimes parks where people can hit his car. This time somebody got their details, next time they might not and he might need to make a claim on his own insurance.Heskey said:
I also find it bizarre that a few people here are ignoring the fact that I've spoken to my insurers who say this is the case, and still want me to dive head-first into a claim as that's "what insurance companies are for"
Unsure why you find it bizzare, you asked for advice and based on previous experience that's what I gave you. You said you've already spoken to your insurers so I don't see what the problem is. They now know you've had an accident, whether your fault or not. If she is not willing to pay the £300 plus so the options are you let her go through her insurance, get an insurance approved repair, courtesy car, etc or you take £200, get it fixed yourself and take the hitR8Steve said:
Why would it affect your insurance?
It's a no fault accident, her insurance pays, your insurance doesn't, the car gets fixed and you keep any no claims discount you have. You need to tell future insurance companies that you have had a no fault accident but that should not affect your premium
Mine went up about £100 with a non fault claim. I'm a higher risk apparently. It's a no fault accident, her insurance pays, your insurance doesn't, the car gets fixed and you keep any no claims discount you have. You need to tell future insurance companies that you have had a no fault accident but that should not affect your premium
R8Steve said:
Why would it affect your insurance?
It's a no fault accident, her insurance pays, your insurance doesn't, the car gets fixed and you keep any no claims discount you have. You need to tell future insurance companies that you have had a no fault accident but that should not affect your premium
When I had a no-fault incident my insurer confirmed that if the other insurer picked up 100% of the tab and seeing as this was the first incident I'd had in 7 years of being with them, it was not part of the calculation on my premium. It's a no fault accident, her insurance pays, your insurance doesn't, the car gets fixed and you keep any no claims discount you have. You need to tell future insurance companies that you have had a no fault accident but that should not affect your premium
True to their work, the following year I actually paid a slightly lower premium.
Heskey said:
nottyash said:
You should shop around
My company have been the cheapest for all 4 years, through various price comparison sites and then direct quotes played off one another.nottyash said:
The point I raised is IF you claim with them, you pay an excess, and will loose your NCB until its sorted out.
I pay an excess when it's HER insurance company that will be paying? I don't understand.nottyash said:
Thats why its easier to use a company that dont use your insurance. Tell them by all means but DO NOT CLaim
Any recommendations? Surely they'll just put up my premium anyway for informing them, and then they play no further part other than saying "thanks for dobbing yourself in it - that'll be another £££ per year please."Prices change all the time, so its still worth shopping around for insurance.
Ive heard recommends for Annies Dad on this site, and I have used Helphire a few years ago who were very good.
Last claim I had on my insurance I was out the country, my wife was hit by a lorry so clearly non fault. She claimed, we paid the excess, but got it back afew months later.
They put her in touch with a company anyway who dealt with getting her compensation as she had bad whiplash and was off work a while.
They took away our car for repair and delivered a brand new hire car, which was a stupid waste of money as she never drove it.... she couldnt.
Heskey said:
Any recommendations? Surely they'll just put up my premium anyway for informing them, and then they play no further part other than saying "thanks for dobbing yourself in it - that'll be another £££ per year please."
You've got to tell them. It's in your contract and they'll find out anyway, only then they'll think you can't be trusted to disclose facts.Anyway, you've obviously not done this before but that guy is correct. When you initiate a claim your company cannot be certain of recovering the money from the 3rd party until they pay the bill, so YOU pay your own excess (and will be reimbursed when the 3rd party pays up) and your NCD is reduced until the 3rd party pays up.
Quite a few companies will waive the excess if there's a high chance of recovering the costs, such as in your case,but it depends on exactly who you're with.
Heskey said:
I find it bizarre that premiums can rise on non-fault claims when you weren't even present - I could possibly understand this being the case if you were present and 'owing to the presence of your vehicle, the accident for which you are not to blame occurred'.
I also find it bizarre that a few people here are ignoring the fact that I've spoken to my insurers who say this is the case, and still want me to dive head-first into a claim as that's "what insurance companies are for".
To my mind, insurance companies are an evil necessity who will have you by the balls whichever way you cut a situation, whether it's your fault or not.
Think about your situation.I also find it bizarre that a few people here are ignoring the fact that I've spoken to my insurers who say this is the case, and still want me to dive head-first into a claim as that's "what insurance companies are for".
To my mind, insurance companies are an evil necessity who will have you by the balls whichever way you cut a situation, whether it's your fault or not.
Someone hit your car and drove off. What if the witnesses hadn't noted her registration? You'd be having a full fault claim on your record.
The reality is that her insurance company will foot the bill, but your insurers will incur costs that are non-recoverable if they deal.
As has been said already, ring her insurance company with the claim number and ask them to repair the car for you, they'll probably throw in a free like for like car too whilst it's being repaired. It will cost them a fraction of what an AMC will charge and whether you want to believe it or not AMCs are a key driver of higher premiums, alongside soft tissue minor injury claims.
Whether you declare the claim or not if you don't use your insurance is up to you, although you definitely should.
You can claim direct as a third party on her insurance. If you were 3rd party insured you would have to.
If you do that there is no risk to your no claims as you are not claiming on your policy.
I did this when somebody backed into me when I was stationary (with my hand on my car horn too)
If you do that there is no risk to your no claims as you are not claiming on your policy.
I did this when somebody backed into me when I was stationary (with my hand on my car horn too)
contact her insurer directly, the claims in her name so youre not making a claim. no need for your insurer to find out and no need to ever declare it.
depending on her insurer they may well just pass it straight to an accident management company and it wouldnt even be dealt with by an insurer at all.
depending on her insurer they may well just pass it straight to an accident management company and it wouldnt even be dealt with by an insurer at all.
Before carrying out repairs get your chosen repairer to produce a receipt for the work. Pass this to her for payment.
It is up to her to either go down to the body shop to pay it herself on her credit card or get her insurance company to pay it.
There is no financial committment from yourself and no involvement from your own insurance company.
Take your car down to the repairer after payment has been made and get it done.
You have the option to persue it through your insurance co. if it all goes tits up from here onwards - i.e. there is argument over payment.
If her or her insurance co. want proof of the repair send a picture to them after the car has been done.
Job done.
It is up to her to either go down to the body shop to pay it herself on her credit card or get her insurance company to pay it.
There is no financial committment from yourself and no involvement from your own insurance company.
Take your car down to the repairer after payment has been made and get it done.
You have the option to persue it through your insurance co. if it all goes tits up from here onwards - i.e. there is argument over payment.
If her or her insurance co. want proof of the repair send a picture to them after the car has been done.
Job done.
Some pretty bad advice here to be honest. Don't tell your insurer at your own peril. It's in your contract to inform them of any accident you're involved in. If you don't, you're in breach of contract and your insurance will be null and void if you need to claim yourself later. You're just going to have to suck it up and get on with life. It's all part of the joys of motoring...
Heskey said:
Any recommendations? Surely they'll just put up my premium anyway for informing them, and then they play no further part other than saying "thanks for dobbing yourself in it - that'll be another £££ per year please."
You've got to tell them. It's in your contract and they'll find out anyway, only then they'll think you can't be trusted to disclose facts.Anyway, you've obviously not done this before but that guy is correct. When you initiate a claim your company cannot be certain of recovering the money from the 3rd party until they pay the bill, so YOU pay your own excess (and will be reimbursed when the 3rd party pays up) and your NCD is reduced until the 3rd party pays up.
Quite a few companies will waive the excess if there's a high chance of recovering the costs, such as in your case,but it depends on exactly who you're with.
It's getting to be quite a common theme on here recently with PHers complaining about the way third parties are dealing incidents when the PHer is an innocent party. Don't get me wrong, my car is my pride and joy and I'd be mighty pissed off if someone ran into it. What I don't get is when the third party is criticised for either wanting to pay for the repairs themselves or alternatively, as in this case, they get criticised for wanting the repair to go through their insurance. They're damned if they do and damned if they don't.
Car insurance is a legal requirement and people pay their premium so that the insurance company indemnifies them in the event that they become involved in an accident. How can anyone be criticised for wanting to go through their insurance company and go down the avenue which is intended in such instances?
OP, despite what others may have said on here, if the third party wants to go through her insurance you won't have to pay any excess whatsoever given that she has admitted liability. Ordinarily, her insurer will either arrange for your repair to be undertaken by one of their approved repairers or your own choice of repairer if you so wish. They'll more likely than not provide you with a hire car from their own provider too whilst your vehicle is off the road. Unless the third party wants to also claim for the damage to her car as well, she won't have to pay any excess as an excess is only payable if you arrange for damage to be repaired on your own car by your own insurer and your are at fault or liability is yet to be decided.
Unfortunately, you will have to advise your insurer of this non fault incident and they may increase your premium. But then again, st happens.
Car insurance is a legal requirement and people pay their premium so that the insurance company indemnifies them in the event that they become involved in an accident. How can anyone be criticised for wanting to go through their insurance company and go down the avenue which is intended in such instances?
OP, despite what others may have said on here, if the third party wants to go through her insurance you won't have to pay any excess whatsoever given that she has admitted liability. Ordinarily, her insurer will either arrange for your repair to be undertaken by one of their approved repairers or your own choice of repairer if you so wish. They'll more likely than not provide you with a hire car from their own provider too whilst your vehicle is off the road. Unless the third party wants to also claim for the damage to her car as well, she won't have to pay any excess as an excess is only payable if you arrange for damage to be repaired on your own car by your own insurer and your are at fault or liability is yet to be decided.
Unfortunately, you will have to advise your insurer of this non fault incident and they may increase your premium. But then again, s
t happens. Edited by KungFuPanda on Friday 9th November 19:07
Heskey said:
Blown2CV said:
they might be playing on the fact that you don't want to go through insurance...
I'm more willing to tell my insurance than pay for the repair myself!I can't imagine £375 is much more than the voluntary excess on their insurance. Surely they'd be mad to want to up their premium for a couple of years instead of paying their voluntary excess + £100 (give or take) on top in a one-off incident?
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