Changing insurance company and claiming from third party
Discussion
Car (not mine or me driving) damaged 2 weeks ago in a shop car park - wind blew over a heavy A frame advertising sign onto bonnet. The sign had been put there by the shop manager.
Claim form filled in at shop. Shop's insurer may be trying to dodge liability.
Car owner wondering whether to let their own insurer know, and handle the claim.
Car owner's insurance policy is being renewed in 2 weeks with a different insurer. Presumably they need to start the claim process before the policy ends, rather than waiting until the shop's insurer decides what to do?
Quote from body shop is over a grand.
Claim form filled in at shop. Shop's insurer may be trying to dodge liability.
Car owner wondering whether to let their own insurer know, and handle the claim.
Car owner's insurance policy is being renewed in 2 weeks with a different insurer. Presumably they need to start the claim process before the policy ends, rather than waiting until the shop's insurer decides what to do?
Quote from body shop is over a grand.
clockworks said:
Car (not mine or me driving) damaged 2 weeks ago in a shop car park - wind blew over a heavy A frame advertising sign onto bonnet. The sign had been put there by the shop manager.
Claim form filled in at shop. Shop's insurer may be trying to dodge liability.
Car owner wondering whether to let their own insurer know, and handle the claim.
Car owner's insurance policy is being renewed in 2 weeks with a different insurer. Presumably they need to start the claim process before the policy ends, rather than waiting until the shop's insurer decides what to do?
Quote from body shop is over a grand.
How much is his excess?Claim form filled in at shop. Shop's insurer may be trying to dodge liability.
Car owner wondering whether to let their own insurer know, and handle the claim.
Car owner's insurance policy is being renewed in 2 weeks with a different insurer. Presumably they need to start the claim process before the policy ends, rather than waiting until the shop's insurer decides what to do?
Quote from body shop is over a grand.
I would be thinking the additional £500 over the excess is maybe not worth claiming for from his own insurance. He will have to declare that when he is looking for renewal quotes.
My neighbour had a no fault claim knock costing less than £1000 to repair, paid for by the other driver. He was told by the local main dealer who organised the repair not to tell his insurance company but he did.
His renewal premium went from £880 to £2250 and the repair didn't cost them a penny.
My neighbour had a no fault claim knock costing less than £1000 to repair, paid for by the other driver. He was told by the local main dealer who organised the repair not to tell his insurance company but he did.
His renewal premium went from £880 to £2250 and the repair didn't cost them a penny.
Monkeylegend said:
clockworks said:
Her insurance is already a bit silly because of a previous claim and 9 points.
I think that probably makes it even more sensible not to claim on her insurance again for the sake of £500 or so.clockworks said:
Monkeylegend said:
clockworks said:
Her insurance is already a bit silly because of a previous claim and 9 points.
I think that probably makes it even more sensible not to claim on her insurance again for the sake of £500 or so.And those "told you so" moments are very satisfying
Sebring440 said:
119 said:
Inform your instance company and let them deal with it.
It’s what you pay them for.
The usual cut'n'paste PH reply. Have you not read the original post?It’s what you pay them for.
clockworks said:
Car owner wondering whether to let their own insurer know, and handle the claim.
Alex Z said:
Placing a sign that can blow over, next to cars that can be damaged?
Sounds like they could have been negligent.
Yes, I'm not sure it's easy to say. If the sign was sold to the shop as a "windproof" sign, they probably wouldn't be. If it was light as a feather they could be.Sounds like they could have been negligent.
She's agreed that the best thing to do is wait and see what the shop's insurers come back with. If they agree to pay, all's good.
If they refuse, she'll forget about it.
It's not a massive dent, might even fixable by a decent PDR man.
She's already got damage on the front bumper (forgot to use the handbrake, rolled into the front of the house overnight) and the rear bumper (reversed into a low wall).
Car is a 2017 MINI One.
If they refuse, she'll forget about it.
It's not a massive dent, might even fixable by a decent PDR man.
She's already got damage on the front bumper (forgot to use the handbrake, rolled into the front of the house overnight) and the rear bumper (reversed into a low wall).
Car is a 2017 MINI One.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff