insurance claim accident

[anonymous-user]

i had a car crash about 2 months ago, the police turned up. mt car was undamaged the other car was written off. I informed the insurance company, I was a named driver on the policy. I informed the insurance company on the day.

I didn't make a claim.

I received a accident form 6 weeks later sent it a week later.

In the meantime the other insurance have sent a letter basically saying they are going to sue me personally for the claim which it looks like they have paid out.

The accident was at best 50/50 but the policeman did say it was the other person fault.

Not sure what to do, i will call the insurance company but they seem a bit st

[Magic919]

You should pass it to 'your' Insurer. They'll deal with it.

[anonymous-user]

cheers i am worried it might mean they just pay out regardless of fault.

[Magic919]

That's their choice I guess. But whether they pay 5% or 100% probably doesn't make a difference. Only your innate sense of right and wrong will suffer :-)

[Drumroll]

I don't understand why you (OP) didn't inform your insurance company straight away.

[anonymous-user]

Magic919 said:

That's their choice I guess. But whether they pay 5% or 100% probably doesn't make a difference. Only your innate sense of right and wrong will suffer :-)

more like 7 years no claims loss for named driver is my main concern.

[Magic919]

Not usual to lose the lot. Couple of years reduction is normal.

[nipsips]

That letter is a standard letter. Pass it onto your insurance.

However one question I always ask my customers when they report is how exactly the other car was written off when yours escaped unscathed?

What are the circumstances of the accident?

[anonymous-user]

basically travelling on b road windy bit then onto a incline, came across a ford car behind a slow moving lorry. i waited until overtaking spot, which is tight for most cars, ka driver was very close to lorry no indication to overtake.

i indicated moved into over side of road,, and about half way past ka driver, ka driver pulled straight out. i moved about a metre into verge and Ka driver hit me on the front left and bounced off and a 180 into ditch, i hit his back right by this point as i had slowed down, and i just dug into verge and stopped.

The lorry driver in front advised he didn't indicate the policeman who attended said it looked like his fault for not looking before pulling out, which he did in a fast jerk action, i had about 2 seconds to react, not even time to use the horn.

I made the best effort to avoid, but basically a slight scrape on my car and once pulled from verge i drove off.

Edited by The Spruce goose on Thursday 29th May 20:50

[nipsips]

I think youre right in what you are saying in terms of it not being your fault however I think you will be very unlikely to get 100% fault to go to the third party driver. I think you will accept some responsibility.

Seriously let your insurers do the leg work. Did you report the claim?

[LoonR1]

The Spruce goose said:

more like 7 years no claims loss for named driver is my main concern.

1% or 100% your fault and the NCD is reduced by 2 years broadly speaking from the insurers maximum NCD which, broadly speaking is 5 years, so it'll reduce to 3 years broadly speaking.

The fact you didn't claim and didn't report it, is very clear evidence that you consider yourself at least partially, if not fully, at fault.

Oh and as for them suing you, that's just process, after all you are the one who did wrong that needs putting right in their opinion. Your insurer will take on the case as soon as you pass it to them, which I know you probably won't, as it's much more fun to ask Pistonheads and then bh, piss and moan about insurance.

[anonymous-user]

LoonR1 said:

The fact you didn't claim and didn't report it, is very clear evidence that you consider yourself at least partially, if not fully, at fault.

Oh and as for them suing you, that's just process, after all you are the one who did wrong that needs putting right in their opinion. Your insurer will take on the case as soon as you pass it to them, which I know you probably won't, as it's much more fun to ask Pistonheads and then bh, piss and moan about insurance.

sorry you do talk some st and also give your industry a bad reputation.

i reported it on the day of the crash as i stated in my post.

i have done everything asked by the insurance and police in this matter, just suprised they take so long to communicate.

edit my understanding was 50/50 as it can be argued both ways for accidents like this.
]

Edited by The Spruce goose on Thursday 29th May 21:39

[LoonR1]

The Spruce goose said:

sorry you do talk some st and also give your industry a bad reputation.

i reported it on the day of the crash as i stated in my post.

i have done everything asked by the insurance and police in this matter, just suprised they take so long to communicate.

edit my understanding was 50/50 as it can be argued both ways for accidents like this.

Ok sorry misread that, probably due to the comment I've quoted, that you didn't take any issue with, I notice. Selective outrage I guess.

What does 50/50 matter to you. NCD will still be affected in exactly the same way. Cost of claim is completely irrelevant in Personal Lines motor polices as it's NCD rated. Commercial polices are experience related.

50/50 means both sides pay half of the aggregated costs to settle the claim, it doesn't mean it can be argued either way.

Drumroll said:

I don't understand why you (OP) didn't inform your insurance company straight away.