Non-fault accident - guidance?
Discussion
Hi folks, long time listener first time caller
My car was recently hit while parked, no note left and little evidence on cameras. This being my first time having to use my car insurance I contacted ASAP and got the ball rolling. The guy who hit me sought me out later that day to apologise and exchange details (apart from insurers, oddly) and he admitted fault.
Since then, the algorithm has shown me a few horror stories dealing with the courtesy car, and it looks like it's going that way, a company called Northgate have been appointed. They used to be called Auxillus and they're mentioned a lot when the third party insurer refuses to pay.
Basically, I'm after advice and reassurance. This is my first time claiming on car insurance and I've been a bit spooked. Any advice welcome!
My car was recently hit while parked, no note left and little evidence on cameras. This being my first time having to use my car insurance I contacted ASAP and got the ball rolling. The guy who hit me sought me out later that day to apologise and exchange details (apart from insurers, oddly) and he admitted fault.
Since then, the algorithm has shown me a few horror stories dealing with the courtesy car, and it looks like it's going that way, a company called Northgate have been appointed. They used to be called Auxillus and they're mentioned a lot when the third party insurer refuses to pay.
Basically, I'm after advice and reassurance. This is my first time claiming on car insurance and I've been a bit spooked. Any advice welcome!
If the other party admits responsibility to your insurer, it will be a non-issue. Of course they may not, but if they weren't willing to why would they have contacted you in the first place?
Someone reversed into my Elise last year and admitted fault. Everything was very smooth and simple (if very slow) from end to end.
Someone reversed into my Elise last year and admitted fault. Everything was very smooth and simple (if very slow) from end to end.
“ Companies like Northgate/Auxillis often provide vehicles on a credit hire basis, which can be much more expensive than a normal rental”
Why use them?
Wife’s car was hit in June, no fault claim
We declined the above, left with our insurer to deal.
Fixed by approved repairer, they supplied a courtesy car. Not like for like but better than walking!
Why use them?
Wife’s car was hit in June, no fault claim
We declined the above, left with our insurer to deal.
Fixed by approved repairer, they supplied a courtesy car. Not like for like but better than walking!
Up to you but if he admits liability I would approach his insurer direct. You'll probably find they can't do enough for you.
Claims management companies are supposed to do that for you of course but their main objective is to make money for themselves out of the other insurer. The main source of this being employing lawyers to chase personal injury claims and "credit hire" vehicles which are ludicrously expensive.
My last no fault claim was a parking hit. Liability admitted. I called the insurer who used my nominated repairer, got the car collected and returned, and had Enterprise deliver a hire car for which I asssume they paid a lot less than the credit hire charges would have been.
I felt as if I'd done my bit to keep insurance costs fair.
A lot of write offs now are caused because insurers know they could be faced with £000's in hire charges.
Edit - this could now be slightly more complicated as the claims management scenario has been triggered.
Claims management companies are supposed to do that for you of course but their main objective is to make money for themselves out of the other insurer. The main source of this being employing lawyers to chase personal injury claims and "credit hire" vehicles which are ludicrously expensive.
My last no fault claim was a parking hit. Liability admitted. I called the insurer who used my nominated repairer, got the car collected and returned, and had Enterprise deliver a hire car for which I asssume they paid a lot less than the credit hire charges would have been.
I felt as if I'd done my bit to keep insurance costs fair.
A lot of write offs now are caused because insurers know they could be faced with £000's in hire charges.
Edit - this could now be slightly more complicated as the claims management scenario has been triggered.
I used a claims management company back in 2010 and they ended up charging the other insurer more for the hire car than the repair cost. No wonder premiums go up!
In 2023 I got hit in the rear at a set of traffic lights and claimed directly from the insurer of the other car which went pretty smoothly, although they made my car a Cat N and their valuation was a bit mean.
In 2023 I got hit in the rear at a set of traffic lights and claimed directly from the insurer of the other car which went pretty smoothly, although they made my car a Cat N and their valuation was a bit mean.
I had a non-fault accident a few years ago - liveried van driver switched lanes on a roundabout as they'd made a wrong turn, smashed into my Allroad and assessors eventually deemed the complex suspension and aluminium bodywork too much to faff with. This decision came a few weeks after a vulture-like company swooped in, I'd assumed an outfit selected by their insurers, to offer a 'like-for-like' courtesy vehicle (brand new 5-series estate).
When it came to the crunch, the other party insurance decided to play hardball, as the hire car worked out at £2.5k for two weeks! For reference, my Audi was insured for circa the same.. mental.
When it came to the crunch, the other party insurance decided to play hardball, as the hire car worked out at £2.5k for two weeks! For reference, my Audi was insured for circa the same.. mental.
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