Insurance claim question
Discussion
Hi.
Yesterday i was involved in a very minor collision. I had just turned out of a slip road in to the left hand of 2 lanes. As i proceeded those 2 lanes became 4 because of the different directions you could go (The rocket in Liverpool if anyone knows it).
I indicated to get in to far right lane and further behind me already in this lane was another car. As i reached lane 3 of 4 i began to make my move in to lane 4, confident the driver behind could see my indicator, and was enough distance behind me. As i moved i looked in my RH mirror again to see that the car if anything had sped up instead of slowing. (We was approaching a junction, why speed up!?)
Anyway he caught my rear right side. We stopped at the junction and he got out all flustered saying i was trying to be clever etc.
We continued through the junction when the lights went green and pulled somewhere safe. We both got out this time, although he seemed much more calm and sympathetic this time??
My car suffered 0% damage as very luckily he hit my wheel which has some scuffs which appear to come off when rubbed hard enough.
His car has a bit of scuff on his bumper which is easily/cheaply repaired.
Anyway he was going on about my insurance excess and stuff and took my details for his insurance.
Now IMO this was not my fault, but i assume he will try and claim against me. I drive an A8 and he drove a 2000 small peugeot so his excess compared to mine will be tiny.
What should i do if i receive a letter from either mine/his insurance?
Cheers.
Yesterday i was involved in a very minor collision. I had just turned out of a slip road in to the left hand of 2 lanes. As i proceeded those 2 lanes became 4 because of the different directions you could go (The rocket in Liverpool if anyone knows it).
I indicated to get in to far right lane and further behind me already in this lane was another car. As i reached lane 3 of 4 i began to make my move in to lane 4, confident the driver behind could see my indicator, and was enough distance behind me. As i moved i looked in my RH mirror again to see that the car if anything had sped up instead of slowing. (We was approaching a junction, why speed up!?)
Anyway he caught my rear right side. We stopped at the junction and he got out all flustered saying i was trying to be clever etc.
We continued through the junction when the lights went green and pulled somewhere safe. We both got out this time, although he seemed much more calm and sympathetic this time??
My car suffered 0% damage as very luckily he hit my wheel which has some scuffs which appear to come off when rubbed hard enough.
His car has a bit of scuff on his bumper which is easily/cheaply repaired.
Anyway he was going on about my insurance excess and stuff and took my details for his insurance.
Now IMO this was not my fault, but i assume he will try and claim against me. I drive an A8 and he drove a 2000 small peugeot so his excess compared to mine will be tiny.
What should i do if i receive a letter from either mine/his insurance?
Cheers.
I'd call your insurers mate, its in the small print of your policy usually that use must notify them of an incident. Not 100% sure what will happen if they report it and you don't?
I had similar incident a while ago in wifes car, woman pulled into back side of me no damage which was a miracle. Neither of us claimed but we swapped details and after telling insurance co of incident I have to declare it as a non fault accident £0 cost now (hasn't affected premium).
If he is dodgy then he will make up a witness and use a mate who will say they saw it and it was your fault which will probably work as I know someone that happend to.
Hopefully he won't report it but sounds like he will from what you said and he may try and rinse it!
I had similar incident a while ago in wifes car, woman pulled into back side of me no damage which was a miracle. Neither of us claimed but we swapped details and after telling insurance co of incident I have to declare it as a non fault accident £0 cost now (hasn't affected premium).
If he is dodgy then he will make up a witness and use a mate who will say they saw it and it was your fault which will probably work as I know someone that happend to.
Hopefully he won't report it but sounds like he will from what you said and he may try and rinse it!
SmoothCriminal said:
whatever he did is here nor there insurance will see it as You was moving into his lane and you hit him best you can hope for is 50/50
I agree - it appears you failed to check in your mirror prior to moving into the lane as the front of his car was already level with your rear wheel.Monty Python said:
I agree - it appears you failed to check in your mirror prior to moving into the lane as the front of his car was already level with your rear wheel.
That was not the case though. I was a good 2+ car length ahead of him for the entire time i indicated to go from lane 2-3. As i went to go from 3-4 to each the right turn lights, he seemed to speed up as i moved right. I could see him ever since joining that road why would i move right if he was level with my rear end? He claimed he did not see my indicator which is probably a lie because the A8 has LED's which are bright.bimmer528 said:
Monty Python said:
I agree - it appears you failed to check in your mirror prior to moving into the lane as the front of his car was already level with your rear wheel.
That was not the case though. I was a good 2+ car length ahead of him for the entire time i indicated to go from lane 2-3. As i went to go from 3-4 to each the right turn lights, he seemed to speed up as i moved right. I could see him ever since joining that road why would i move right if he was level with my rear end? He claimed he did not see my indicator which is probably a lie because the A8 has LED's which are bright.Just because his car is a lower spec than yours doesn't mean his excess will be low, he may have chosen a large exces to get the price of the policy down.
eybic said:
If you moved into a lane and were hit by a car in that lane then it certainly seems the case that the lane was not clear when you moved into it, therefore it will be seen as your fault.
Just because his car is a lower spec than yours doesn't mean his excess will be low, he may have chosen a large exces to get the price of the policy down.
He was around 60 in a 2000 year Peugeot i would imagine his insurance to be low?Just because his car is a lower spec than yours doesn't mean his excess will be low, he may have chosen a large exces to get the price of the policy down.
For the sake of my policy i would rather give him the cash to get it repaired the damage to his car would cost no more than £100, should it be deemed my fault..
bimmer528 said:
He was around 60 in a 2000 year Peugeot i would imagine his insurance to be low?
For the sake of my policy i would rather give him the cash to get it repaired the damage to his car would cost no more than £100, should it be deemed my fault..
I'd be the same but he might not want to go down that route, maybe ask him to get a bodyshop estimate for it incase he's worried about any unseen damage.For the sake of my policy i would rather give him the cash to get it repaired the damage to his car would cost no more than £100, should it be deemed my fault..
There would be no chance of any hidden damage, even if the car was made from plastic the force of the collision was minimal. There is an area of paint about 4 inches long and 1/2 inch high which was been removed, that is on his bumper.
Say worst case and he does go down the insurance route, what does that mean for me as i have never been in any sort of accident before?
Say worst case and he does go down the insurance route, what does that mean for me as i have never been in any sort of accident before?
It will mean you have a claim registered against you which will need to be advised to insurers for the next 5 years (premium hike) I would press him to let you pay him for the repairs, maybe offer a bit more than the repair is likely to cost to try and convince him. Best bet is to be honest and explain you don't want a premium hike.
ETA: If you mean what is the process for a claim then your insurers will send you a claim form and ask you to do a diagram and give an explanation of what happened.
ETA: If you mean what is the process for a claim then your insurers will send you a claim form and ask you to do a diagram and give an explanation of what happened.
Edited by eybic on Saturday 2nd June 15:40
eybic said:
It will mean you have a claim registered against you which will need to be advised to insurers for the next 5 years (premium hike) I would press him to let you pay him for the repairs, maybe offer a bit more than the repair is likely to cost to try and convince him. Best bet is to be honest and explain you don't want a premium hike.
Won't him claiming against me wipe out his NCB though?eybic said:
It will mean you have a claim registered against you which will need to be advised to insurers for the next 5 years (premium hike) I would press him to let you pay him for the repairs, maybe offer a bit more than the repair is likely to cost to try and convince him. Best bet is to be honest and explain you don't want a premium hike.
ETA: If you mean what is the process for a claim then your insurers will send you a claim form and ask you to do a diagram and give an explanation of what happened.
Cheers.ETA: If you mean what is the process for a claim then your insurers will send you a claim form and ask you to do a diagram and give an explanation of what happened.
Edited by eybic on Saturday 2nd June 15:40
That would be fairly easy to draw i guess..
bimmer528 said:
Whether i am at fault, he is or 50/50 i think it is in both our best interests to settle it without our insurance. I have already emailed my insurance company though to make them aware of the situation. I hope that does not affect my annual premium..
It will not be in his best interests once these AMC's get his number and convince him he has an injury and is entitled to £3000 of compensation. Gassing Station | General Gassing | Top of Page | What's New | My Stuff