Rear ended tonight, best course of action?
Discussion
Sitting at the back of a stationary queue of waiting for lights to change, was there a fair while so it was a bit of a shock to be suddenly launched forward by an impact from what turned out to be two tons of Toyota Hilux. Slammed me into the car in front before I even knew what was happening. Front and rear bumpers displaced, grills displaced front of bonnet creased, bootlid well bent, rear panel pushed in... I'm a bit dazed, the car is safely driveable all lights intact... Mr Toyota (company vehicle) apologetic and admits blame, just hope he doesn't change his mind about that but I have no idea how he managed it and I didn't ask. Guy in front was blaming me before he saw the state of the back of my car... That might complicate things?
Now I'm not sure what best to do. Leave it to my insurance company or get a third party company in to handle a claim against the other party? I can't afford to cover the cost of the repair and claim it back from the other party myself, something which I have done in the past but for relatively minor damage.
Now I'm not sure what best to do. Leave it to my insurance company or get a third party company in to handle a claim against the other party? I can't afford to cover the cost of the repair and claim it back from the other party myself, something which I have done in the past but for relatively minor damage.
This is the insurance companies favourite thing in the whole world ever. The last person to get hit from behind is the only one who doesn't get a fault claim against them The Hilux may have started it, but everyone else was stopped too close to the car in front of them. Everybody gets a claim from the guy in front, except for the guy at the front of the queue, who claims from the guy behind.
Edited by Gwagon111 on Tuesday 15th November 21:34
Gwagon111 said:
This is the insurance companies favourite thing in the whole world ever. The last person to get hit from behind is the one who claims against everyone else in the queue. The Hilux may have started it, but everyone else was stopped too close to the car in front of them. the only driver to not get a fault claim against them is the one at the very front.
Is this actually true or are you just repeating a myth you once heard. Stopped at a set of traffic lights on a bypass, no-one would expect each car to stay 50 feet from the car in front in case they are hit by someone doing 70+, otherwise traffic lights would simply not work.
66comanche said:
Is this actually true or are you just repeating a myth you once heard. Stoped at a set of traffic lights on a bypass, no-one would expect each car to stay 50 feet from the car in front in case they are hit by someone doing 70+, otherwise traffic lights would simply not work.
I edited my original post, as it wasn't quite what happened the last time I was the guy at the front of a queue that got shunted. I think I got it right this time.paulrussell said:
Don't get an accident management company involved, as the insurance companies will deal with it. There is only one thing that accident managemant companies are good at, are increasing insurance prices.
Or the right one might just sort out all the hassle and claims for you leaving you and the insurer free time to deal with something else.
blondini said:
Sitting at the back of a stationary queue of waiting for lights to change, was there a fair while so it was a bit of a shock to be suddenly launched forward by an impact from what turned out to be two tons of Toyota Hilux. Slammed me into the car in front before I even knew what was happening. Front and rear bumpers displaced, grills displaced front of bonnet creased, bootlid well bent, rear panel pushed in... I'm a bit dazed, the car is safely driveable all lights intact... Mr Toyota (company vehicle) apologetic and admits blame, just hope he doesn't change his mind about that but I have no idea how he managed it and I didn't ask. Guy in front was blaming me before he saw the state of the back of my car... That might complicate things?
Now I'm not sure what best to do. Leave it to my insurance company or get a third party company in to handle a claim against the other party? I can't afford to cover the cost of the repair and claim it back from the other party myself, something which I have done in the past but for relatively minor damage.
leave it to insurance company, he is obviously in the wrong despite the first reply, car in front was hit because you were hit, end of.Now I'm not sure what best to do. Leave it to my insurance company or get a third party company in to handle a claim against the other party? I can't afford to cover the cost of the repair and claim it back from the other party myself, something which I have done in the past but for relatively minor damage.
HTH
I used an accident management company years ago and it was a far easier process than leaving it to our insurance company who take away NCB, putting up premiums anyway and in our case it was over a year so the renewal shot up as a result.
I used Helphire who never involved my insurance company.
The thing that people on here seem to forget is that insurance companies put you through to someone who deals with the claim on their behalf, These charge massive amounts so it puts up insurance prices anyway AND you loose NCB, have to wait until the claim is settled to get it back, and you may be out of pocket for excesses.
My Wife was hit by an Irish lorry on the M40, causing damage and whiplash. Admiral put her to a solicitor who actually made more money than she did and it took 15 months to settle (She recieved £3200 and they charged £5000
)
In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
I know what I would do next time.
I used Helphire who never involved my insurance company.
The thing that people on here seem to forget is that insurance companies put you through to someone who deals with the claim on their behalf, These charge massive amounts so it puts up insurance prices anyway AND you loose NCB, have to wait until the claim is settled to get it back, and you may be out of pocket for excesses.
My Wife was hit by an Irish lorry on the M40, causing damage and whiplash. Admiral put her to a solicitor who actually made more money than she did and it took 15 months to settle (She recieved £3200 and they charged £5000
) In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
I know what I would do next time.
Well the best update is that I have been informed this afternoon that Mr Toyota has confirmed my version of events and admitted liability. He did seem like a decent chap so kudos to him for coming clean as there was only my word that I didn't hit the other car first. Earlier I paid a visit to my favoured repair shop for an estimate and I mentioned that I might use a third party company to deal with the claim. The proprietor then told me he does work for Winns which just happened to be the company I was considering, so Winns are now handling everything and doing all the chasing around. I've had updates already and the ball is rolling. Obviously I have informed my insurers who 'had to warn me' that my premium 'might go up' as a result of the accident but they would take the circumstances into account. If it does I'll be asking Winns to factor that into the claim.
I have declined a hire car...
Ok, I have accepted a hire car only for the duration of the repair.
I have declined a hire car...
Ok, I have accepted a hire car only for the duration of the repair.
Edited by blondini on Wednesday 16th November 18:46
nottyash said:
In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
Admiral/Elephant by any chance?We recieved no money back even now, and Ive switched companies because of it.
Hudson said:
nottyash said:
In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
Admiral/Elephant by any chance?We recieved no money back even now, and Ive switched companies because of it.
Admiralnottyash said:
Hudson said:
nottyash said:
In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
Admiral/Elephant by any chance?We recieved no money back even now, and Ive switched companies because of it.
AdmiralI have never been through a claims management company, I've always done it though my insurance company. It can get complicated dealing with multiple places with multiple reference numbers but one sheet of A4 should be more than enough for keeping notes on.
Accidents are a ball ache though and it will take a while to sort things out so good mate.
Accidents are a ball ache though and it will take a while to sort things out so good mate.
Garvin said:
nottyash said:
Hudson said:
nottyash said:
In the mean time when her renewal came through it had gone up, when I rang I was told it was because she had claimed on her insurance and her NCB were affected until it was settled.
We recieved no money back even now, and Ive switched companies because of it.
Admiral/Elephant by any chance?We recieved no money back even now, and Ive switched companies because of it.
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