Non-fault Accident and Insurance...
Discussion
First off, don't use comparison websites. Call the insurance companies you wish to get a quote from instead and have a discussion.
Secondly, her detail differences are her problem, not yours.
You should go through the insurance process, provide evidence and when inevitably they try to contest a 50/50 you word a strong letter to the insurance lawyer explaining the situation, that you have evidence and you won't accept anything but clearance of doubt.. IF you are clear of blame.
I got hit by a 'vulnerable' (idiot) motorcyclist whilst making a correct right turn at a junction and his insurance went through hoops to try and get me to drop it all. They lost the footage from the camera three times, disregarded communications, claimed I'd hit a waiting car instead etc. It took 15 months with my insistence and letters being on point for them to run away. They lie, twist and push for you to give in. Don\t. If you are actually in the right, lawfully, record that along with the written statutes and push. They back down eventually as going to court is more expensive.
It's about money, not fairness or fluffy bunnies. They don't give a hoot about you but they are in control. Always involve them as that's what you pay for but always, for the love of benji, keep an eye on it and don't take what they say as golden.
Strongly worded letters to the insurance legal teams carry weight if you are the actual victim as I was.
Oh - if you are out there Jamie, please stop carrying a puppy in your rucksack on a motorbike and change your insurance as they mucked you about a lot without your knowledge.
Fin.
Secondly, her detail differences are her problem, not yours.
You should go through the insurance process, provide evidence and when inevitably they try to contest a 50/50 you word a strong letter to the insurance lawyer explaining the situation, that you have evidence and you won't accept anything but clearance of doubt.. IF you are clear of blame.
I got hit by a 'vulnerable' (idiot) motorcyclist whilst making a correct right turn at a junction and his insurance went through hoops to try and get me to drop it all. They lost the footage from the camera three times, disregarded communications, claimed I'd hit a waiting car instead etc. It took 15 months with my insistence and letters being on point for them to run away. They lie, twist and push for you to give in. Don\t. If you are actually in the right, lawfully, record that along with the written statutes and push. They back down eventually as going to court is more expensive.
It's about money, not fairness or fluffy bunnies. They don't give a hoot about you but they are in control. Always involve them as that's what you pay for but always, for the love of benji, keep an eye on it and don't take what they say as golden.
Strongly worded letters to the insurance legal teams carry weight if you are the actual victim as I was.
Oh - if you are out there Jamie, please stop carrying a puppy in your rucksack on a motorbike and change your insurance as they mucked you about a lot without your knowledge.
Fin.
Sorry OP, but I don’t get why you wouldn’t claim. The damage to your premiums is done as a non fault claim or ‘incident’ is now out there. If you do nothing at all now you’re just as screwed come renewal, even more so if you don’t declare it as it will be shared between all the insurers on the database.
Kingofthelea said:
Sorry OP, but I don’t get why you wouldn’t claim. The damage to your premiums is done as a non fault claim or ‘incident’ is now out there. If you do nothing at all now you’re just as screwed come renewal, even more so if you don’t declare it as it will be shared between all the insurers on the database.
Agree with this. Once your insurer has been informed (even as information only) it'll have to be declared as a non-fault claim for 5 years. You may as well get the damage repaired at this point. Just don't go claiming for a hire car or anything else that would unnecessarily increase the repair cost more than it needs to. Not sure if the car is leased/PCP etc. but make sure the work is warrantied so if the car is going back somewhere you don't get penalised if they're not happy with the standard of the repair when it goes back.Gassing Station | General Gassing | Top of Page | What's New | My Stuff