Best way to deal with a non fault accident
Discussion
Lovely start to the morning!
Somebody just pulled out and hit my front wing at low speed. Will need a new wing and possibly a bumper and alloy and tyre with my tracking checked and adjusted. They have admitted fault. But was driving a courtesy car. With his being repaired from another accident.
What's the best course of action now? Just deal direct with the insurers who are RSA or just let my insurance deal with it and incur costs what I get back.
Al
Somebody just pulled out and hit my front wing at low speed. Will need a new wing and possibly a bumper and alloy and tyre with my tracking checked and adjusted. They have admitted fault. But was driving a courtesy car. With his being repaired from another accident.
What's the best course of action now? Just deal direct with the insurers who are RSA or just let my insurance deal with it and incur costs what I get back.
Al
Edited by Charlie1986 on Friday 19th June 08:23
HantsRat said:
Why would you go direct to theirs? That's what your insurance companies job is and what you pay them for.
They have admitted fault and id rather not pay my excess when it can be repaired by them. Then all I will do is just notify my insurance company. That was my idea but as never been involved in a non fault I wasn't sure. Just spoken to my insurance and there sorting itCharlie1986 said:
They have admitted fault and id rather not pay my excess when it can be repaired by them. Then all I will do is just notify my insurance company. That was my idea but as never been involved in a non fault I wasn't sure. Just spoken to my insurance and there sorting it
Your insurance company will be notified anyway? Are you thinking you can not tell them you've been involvement in a accident even though it's non fault?Just ring them up and let them deal with it. It's what you pay for. If you have to pay excess, you'll get this back.
HantsRat said:
Charlie1986 said:
They have admitted fault and id rather not pay my excess when it can be repaired by them. Then all I will do is just notify my insurance company. That was my idea but as never been involved in a non fault I wasn't sure. Just spoken to my insurance and there sorting it
Your insurance company will be notified anyway? Are you thinking you can not tell them you've been involvement in a accident even though it's non fault?Just ring them up and let them deal with it. It's what you pay for. If you have to pay excess, you'll get this back.
kers!HantsRat said:
Why would you go direct to theirs? That's what your insurance companies job is and what you pay them for.
Because if you go through your own you'll get a settlement less your excess figure, and lose your NCB entitlement until such times as they have settled the claim with the other insurer, at which point you'll then get the excess back, and your NCB reinstated.I recently was hit by another driver which wrote my car off, the other driver admitted full liability. I simply rang his insurance company after finding out the above process with my own insurer, and dealt with them directly. They were great, I was settled, assessed, paid and my written off car was collected within 3 weeks, I didn't have to pay out a penny, I didn't have to wait for my excess, and my NCB was not suspended. It was a far less arduous process than going through my own insurer sadly.
Garvin said:
Yes, you will get your excess back but your insurance company may well now regard you as a higher risk and adjust your next premium accordingly. Your no claims bonus (remember it's no claims, not no blames) may also be reduced at next renewal. Non fault accidents are really good like this - you get penalised for not avoiding the fkers!
Yes but even if you don't tell them. They will know as it will be recorded on the other parties insurance. Their insurance company will contact yours as they need to make sure each party is insured so you might as well contact them yourself. kers!Something similar happened to me. I went through my insurance however as the other chap accepted responsibility his insurer contacted me to take the claim over. They were happy with the repairer that my insurer had chosen and were happy with the estimated costs. His insurer paid for a comparable car to keep me mobile while mine was off the road and they also paid the excess direct to the repairer so I had nothing to pay.
I found that this made no difference to my premium the following year.
(I was insured with Aviva. Third party with Direct Line)
I found that this made no difference to my premium the following year.
(I was insured with Aviva. Third party with Direct Line)
If it's non fault you should not lose your excess as this will be recovered from the third party, and you will not lose ANY No Claims bonus.
I personally was passed onto an AMC when I had a non-fault claim. They sorted everything and it was all nice and simple - however I think this is far from the best approach as many threads on here will tell you not to use an AMC because things can get messy and land you in trouble (financially).
Suggested route is speak to 3rd Party insurers and deal with them.
I personally was passed onto an AMC when I had a non-fault claim. They sorted everything and it was all nice and simple - however I think this is far from the best approach as many threads on here will tell you not to use an AMC because things can get messy and land you in trouble (financially).
Suggested route is speak to 3rd Party insurers and deal with them.
HantsRat said:
Garvin said:
Yes, you will get your excess back but your insurance company may well now regard you as a higher risk and adjust your next premium accordingly. Your no claims bonus (remember it's no claims, not no blames) may also be reduced at next renewal. Non fault accidents are really good like this - you get penalised for not avoiding the fkers!
Yes but even if you don't tell them. They will know as it will be recorded on the other parties insurance. Their insurance company will contact yours as they need to make sure each party is insured so you might as well contact them yourself. kers!All sorted. The chap has accepted he was at fault and confirmed this with my insurance and his. Both companies are happy with the Hire car given and costs of repair but looking at 2 weeks. Everything has been confirmed in email and will also have written confirmation that all cost will be met by 3rd party.
But the most annoying thing is ive three calls already asking about whiplash!
So very happy with the service from M&S this morning very happy
But the most annoying thing is ive three calls already asking about whiplash!
So very happy with the service from M&S this morning very happy
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