Non-fault Accident and Insurance...

Non-fault Accident and Insurance...

Author
Discussion

Demented

Original Poster:

54 posts

122 months

Monday 15th July 2019
quotequote all
Forgive me PH, I need to rant...

This started a couple of weeks ago when some useless bint went into the back of me when setting off from a set of traffic lights, this has caused some small damage to my brand new car (6 weeks old, just what I don't need)... now it's her fault, although she tried to say I stopped at first but dashcam footage proved otherwise.

At the time I couldn't see anything major except for a small scuff which I thought would polish out, and as both of us didn't really want to go through insurance (she'd been in accidents previously, and I knew from past experience it would be a PITA) agreed to try as such when I got home and give her a call if the situation changed and discuss repairing it outside of insurance.

Got home after work and cleaned the car and double checked the damage, turns out there is a crease/dent in the bumper and damage to the diffuser which I couldn't see at the time..

I grabbed a quote for the damage, although minor its going to cost £580 as the damage to the rear diffuser which was hit has to be completely replaced and cant just be touched up.

Met up with the woman today to show the damage more clearly and give the quote, to which her and her father - who came with - claimed there isn't any damage there (there is...) shouldn't be costing that much as there is more damage to her car than mine and the quote to repair her car wasn't as much (it's a 5 year old Suzuki Alto, it's not going to realistically...) and that this is all going one way (my way) so what about the damage to her car, as I should pay for that... WTF!? SHE HIT ME! furious

I explained that as she hit me, I wouldn't be paying for the damage to her car as it was her own bloody fault and she would need to either go through her insurance to repair her car, or pay out of her own pocket.
She said it will have to go through insurance or nothing, and also wanted my insurance details to claim off me... You don't need my insurance details love, you need your own as it's YOUR FcensoredKING FAULT FFS!
This went back and forth for a bit before the father said it didn't matter as they had my registration, and tried arguing the insurers would battle it out and it would go 50/50 anyway as they don't like wasting time... It's clear cut mate, she admitted going into the back of me, and I have dashcam footage showing I didn't do anything wrong, there is no 50/50 to battle out, it's HER FAULT! JESUS H EFFING CHRIST!furious

Since its now got to go through insurance, I decided to have a play around to see what the cost of my insurance will be with this added claim since renewal is next month as my previous experience told me it would go up ... Despite this being a non-fault on my part, My renewal goes from £2052.48 to.... £5414.08! frown and that is after hours of trying different places online, to start with it was at £7869.12!

Please, someone explain to me how the fcensoredk an accident which wasn't my fault is going to cost me over 3 fcensoredking grand!? In what world is that in any-fcensoredking-way acceptable? I thought it was bad enough the last time someone went into me and it went to £2948 from £1152 despite not being my fault... but FIVE FcensoredKING GRAND TO INSURE A CAR!?

Obviously this leaves me with a bitter pill of £580 I'm going to have to swallow myself, as I really cannot justify that amount of money for car insurance no matter what it is. Although as she is going to claim off her insurance, it leaves me wondering if I'll be affected anyway come renewal as I suspect my insurer will end up being notified.

Pictures of the damage if interested:



My best Insurance quotes just for the hell of it....

Anyone that wasn't on a comparison website just flatout refused to quote me as well frown

I'm left wondering what the point of having car insurance is, because based on my experience, you can't actually use it without being absolutely shafted come renewal.

bobbo89

5,151 posts

144 months

Monday 15th July 2019
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You're either 18, drive something ridiculous or live in the ghetto to be paying that much for insurance!

blueg33

35,574 posts

223 months

Monday 15th July 2019
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bobbo89 said:
You're either 18, drive something ridiculous or live in the ghetto to be paying that much for insurance!
My thoughts too. If he has a terrible driving history. I insure 4 cars for business use with four drivers, one driver is 24 another is 19. One of the cars is my Evora and the total is under £1300.

revvingit

444 posts

79 months

Monday 15th July 2019
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My guess is your a newly qualified driver in a high accident area to be paying that much?

Or you drive something insane?

loskie

5,143 posts

119 months

Monday 15th July 2019
quotequote all
well yes legally at the scene of an accident you MUST swap insurance details.
Mistake number 2 : trying to avoid insurance either claiming or notifying them. That is in breach of the insurance co's ts and cs.

Mistake number 3: Meeting with the other party thus potentially jeopardising your case.

She hit you? Report her for assault or did you antagonize her..

cmvtec

2,188 posts

80 months

Monday 15th July 2019
quotequote all
I've had two non-fault claims in the last two years. Same car, same side. Reversed into on New Years Day '17 and t-boned at a roundabout in September last year.

Both renewals after went skyrocketing. First one went for £450 to about £1600. It went back down and then my latest renewal doubled from £500 to over £1k.

When I re-ran my quotes, believing I was a victim of premium loading, there was about £70 difference in quotes.

This is for a 30 year old, in a good postcode area, with a clean licence for 12 years, driving an old man Jag barge with less than 150bhp.

You must be driving something mental. Insurance is expensive, though.

Riley Blue

20,912 posts

225 months

Monday 15th July 2019
quotequote all
Could this be an example of when shopping around for the cheapest insurance in the belief that all insurers are equal doesn't pay? I suspect that those who are the cheapest seek to recoup every penny they can, whenever they can whereas the more expensive are more accommodating to such things as modifications, non-fault claims and so on.

blueg33

35,574 posts

223 months

Monday 15th July 2019
quotequote all
Trying to work out what car it is. Something witha diffuser moulded into the rear valance and probably a centre exhaust.

Golf R?

anonymous-user

53 months

Monday 15th July 2019
quotequote all
Chips away for a couple of hundred, never involve insurers unless £££

TwigtheWonderkid

43,246 posts

149 months

Monday 15th July 2019
quotequote all
loskie said:
well yes legally at the scene of an accident you MUST swap insurance details.
Wrong. If requested, you must provide your name, address and reg number at the scene. Insurance details, if asked for, can follow in due course.

irc

7,166 posts

135 months

Monday 15th July 2019
quotequote all
OP, you need to inform your insurance. If the other driver is claiming her insurance both reg numbers will be recorded on the database. If you don't declare the accident at renewal they could void it and refuse any future claims. So may as well claim the £580 assuming your excess isn't anywhere near that.

KTF

9,788 posts

149 months

Monday 15th July 2019
quotequote all
My wifes car has been rear ended twice and each time it made no difference to her insurance renewal.

If you go through the insurance then it should be recorded as a non fault claim as they ran in to you. Did you get any witnesses otherwise they may come back with 'prove it' if a period of time has now passed?

Mo28

907 posts

99 months

Monday 15th July 2019
quotequote all
KTF said:
My wifes car has been rear ended twice and each time it made no difference to her insurance renewal.

If you go through the insurance then it should be recorded as a non fault claim as they ran in to you. Did you get any witnesses otherwise they may come back with 'prove it' if a period of time has now passed?
He has dashcam footage

AllyBassman

779 posts

111 months

Monday 15th July 2019
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Mo28 said:
He has dashcam footage
He'll have no problem, I had dashcam footage showing that I was not at fault (someone went into the back of me)

It will go down as non-fault.

OP - just make sure to notify your insurers and make sure they understand what happened and that you have dashcam footage. Once you send it to them, make sure they have received it..... I had to send mine a few times to AA insurance (who are useless BTW) and call them every week to make sure the claim was on track.

TwigtheWonderkid

43,246 posts

149 months

Monday 15th July 2019
quotequote all
Some insurers do charge extra for non fault claims, especially for drivers that are in a high risk group to start with, and given the premiums being offered here, one assumes the OP is in a high risk category (age/area/car)

blueg33

35,574 posts

223 months

Monday 15th July 2019
quotequote all
Schmed said:
Chips away for a couple of hundred, never involve insurers unless £££
Depends on the car. I wouldn't let them loose on my Evora especially if there was any risk that the composite was damaged.

Scabutz

7,474 posts

79 months

Monday 15th July 2019
quotequote all
Non fault claims still push insurance up. Think some data supports that if you have been in one accident you are more likely to be in another, regardless of fault.

Some tt t boned me at a junction. His insurance covered all the cost. They tried to double my premium next year. I shopped around and got it for roughly the same price as I was paying.

As others have said you just be young for those quotes so guessing you are being double punsihed. I was paying 350 to insure an Audi S6.

Miserablegit

4,013 posts

108 months

Monday 15th July 2019
quotequote all
The accident will be on your file anyway so you'll have to declare it.
Contrary to popular belief I think there is always an impact (no pun intended) come renewal time unless things have changed.

A few years ago I had two non-fault accidents- Some old boy tried to mate his honda with the front end of my Defender on a roundabout- I drove onto the actual roundabout to try to avoid him but he drove into me anyway (I believe he was "apexing" the roundabout) and left his rear bumper hugging my car...It was a few years ago and so there was a police car nearby who saw it all happen and took statements.

Next time the same Defender was parked up and hit by a dozy woman who I suspect was on her 'phone at the time- judging by the fact that she could hardly be torn off the damn thing after the crash ( and she wasn't calling her insurer...)

Anyway come renewal time there was an increase in my renewal price and the reason given was the two "no-fault" accidents.
When challenged the insurer said the fact I had been involved in two accidents meant I was unlucky/more likely to be involved in another...."Computer says no...."

Suggest you notify your insurers and get the legal expenses insurance working for the increased premiums it seems you are going to have for the next 3/5 years.

Edit- sorry I meant to say statements were taken by police officers who had been in police car before some wag questions how a police car took a statement....


Edited by Miserablegit on Monday 15th July 11:56

StuE39

696 posts

116 months

Monday 15th July 2019
quotequote all
sorry that your car was hit OP - it is very frustrating.

I am interested in the damage to the car though. Why can't the damage on the diffuser be repaired instead of replaced? I'm not sure if I am missing something in the photo showing the damage to it.

Durzel

12,232 posts

167 months

Monday 15th July 2019
quotequote all
TwigtheWonderkid said:
Some insurers do charge extra for non fault claims, especially for drivers that are in a high risk group to start with, and given the premiums being offered here, one assumes the OP is in a high risk category (age/area/car)
Indeed. If the guy is getting quoted £2k to start with, it's a safe bet the car is ridiculous for his age (no offence OP).

Despite the quotes I would be surprised if his own insurance company loaded his policy that much. The online ones will - unless I'm mistaken - be loading it based on simply saying there has been a claim, without regard for the particulars. His own insurance company will know the score, and if he has dashcam footage, one would hope they take a more pragmatic approach. Perhaps that's too idealistic though.

I have to say though, it sounds like the OP is on a knife edge in terms of insurance anyway. Having such an expensive/risky/fast car when so young is asking to get shafted on insurance.