Had an accident that was not my fault undeclared PPF HELP!
Discussion
ChopChops said:
My car insurance company does not cover PPF. Yesterday I had an accident with a car that switched lanes whilst I was travelling in a bus lane and collided with my front driver side wing, which is PPF protected, wheel is damaged and the wing will need replacing.
I called up the third party’s insurance company and they said they don’t deal with claims with third parties directly. I need to contact my insurance company and they will reach out to them to determine liability, I’ve done this with my insurance company now and await the next steps..
I’m worried because I have the whole front end PPF’d do I get it removed completely and just make the third party insurers sort out my repairs, because my insurance company does not cover PPF and I’ve seen a few threads of them on other forums where they have voided the policy after an claim is made - however this accident is not my fault and I’m certain as I was in a bus lane that was not operational after 7pm on a Friday happened 9pm on the Friday, and the car switched lanes into my lane, then it’s clearly their fault.
I’m worried if I allow third party to deal with claim once they established their driver is fault they will inform my insurers of the PPF..
Please can someone advise, what should I do in this scenario because they don’t cover it at all.
Will they likely spot that the front end is PPF’d if I just remove the PPF on the driver side wing?
Thanks!
As above, there's a useful thread on the subject.I called up the third party’s insurance company and they said they don’t deal with claims with third parties directly. I need to contact my insurance company and they will reach out to them to determine liability, I’ve done this with my insurance company now and await the next steps..
I’m worried because I have the whole front end PPF’d do I get it removed completely and just make the third party insurers sort out my repairs, because my insurance company does not cover PPF and I’ve seen a few threads of them on other forums where they have voided the policy after an claim is made - however this accident is not my fault and I’m certain as I was in a bus lane that was not operational after 7pm on a Friday happened 9pm on the Friday, and the car switched lanes into my lane, then it’s clearly their fault.
I’m worried if I allow third party to deal with claim once they established their driver is fault they will inform my insurers of the PPF..
Please can someone advise, what should I do in this scenario because they don’t cover it at all.
Will they likely spot that the front end is PPF’d if I just remove the PPF on the driver side wing?
Thanks!
You won't get a definitive answer on here. It's frustrating but you'll just to wait to hear from your insurer.
roadsmash said:
Thank you I have a read and it is clearly not worth the risk so it’s going to get removed.Unreal said:
As above, there's a useful thread on the subject.
You won't get a definitive answer on here. It's frustrating but you'll just to wait to hear from your insurer.
The insurer in question appears under no circumstances that they cover PPF it’s a 100k car, I don’t want to take the risk of having my policy voided. So it’s getting removed, so angry but I have no one to blame other than myself.You won't get a definitive answer on here. It's frustrating but you'll just to wait to hear from your insurer.
Insurers may well read these forums - I’d be removing the photo above as well as the PPF.
I have PPF and my insurers were fine with it, but whether they’d reinstate it after a crash is another matter.
I hate roads like the one pictured and always try to avoid being parallel to other traffic, I much prefer trailing the rear quarter of the car next to me even if it means I’m leaving a big gap in my lane.
I have PPF and my insurers were fine with it, but whether they’d reinstate it after a crash is another matter.
I hate roads like the one pictured and always try to avoid being parallel to other traffic, I much prefer trailing the rear quarter of the car next to me even if it means I’m leaving a big gap in my lane.
ChopChops said:
I called up the third party’s insurance company and they said they don’t deal with claims with third parties directly. I need to contact my insurance company and they will reach out to them to determine liability,
They might prefer that, but they can't insist. Email or write to them with the details of their customer that caused your damage, enclose an estimate and demand they handle it. If not, write again giving them 7 days to sort it before you issue a small claims court summons. Then if they don't, go online and issue it. What if you were driving uninsured, or had just tpo cover? They'd have to deal with your claim then.
I don't know why you would contact the third party's insurance company. They have no contract with you why would they even discuss the matter . You have a contract with your insurance company who will work with you and seek settlement from the other drivers insurance company if it is deemed they were responsible.
In terms of knowingly having an undeclared item , if they asked you if you had it and you answered falsely then you know the consequences.
In terms of knowingly having an undeclared item , if they asked you if you had it and you answered falsely then you know the consequences.
If the TPI have already said they wont deal with you directly, then I assume that they will make you use your insurers for the repairs and then reimburse them, so you are likely to have no option but to have your insurers initially pay for the repairs, you could ask for cash in Lieu of repairs, and then take it somewhere to to get the repairs and PPF replaced.
In my experience, unless you have dashcam footage, witnesses or the other party just admits liability, then changing lanes incidents don't always go straight forward, especially if the other party alleges that you have changed lanes into them.
In my experience, unless you have dashcam footage, witnesses or the other party just admits liability, then changing lanes incidents don't always go straight forward, especially if the other party alleges that you have changed lanes into them.
Jader1973 said:
I suspect that when they say they don’t cover PPF it means they won’t pay to have it put back on after a repair, not that they’ll refuse cover for a car with PPF fitted.
Unless the policy documents actually say they won’t insure a car with it fitted?
It’s a well know insurance company they don’t touch PPF at all, claims even non fault they have voided the policy, of course I only knew this when I was looking online on Friday the day the of incident.Unless the policy documents actually say they won’t insure a car with it fitted?
andy43 said:
Insurers may well read these forums - I’d be removing the photo above as well as the PPF.
I have PPF and my insurers were fine with it, but whether they’d reinstate it after a crash is another matter.
I hate roads like the one pictured and always try to avoid being parallel to other traffic, I much prefer trailing the rear quarter of the car next to me even if it means I’m leaving a big gap in my lane.
PPF is going to removed Monday I’ve taken off the meta data off the image and I think it would be hard to find this location based off this picture alone but thank you for pointing this out.I have PPF and my insurers were fine with it, but whether they’d reinstate it after a crash is another matter.
I hate roads like the one pictured and always try to avoid being parallel to other traffic, I much prefer trailing the rear quarter of the car next to me even if it means I’m leaving a big gap in my lane.
I agree roads like this can be a nightmare and the city I live in it was my fault for not applying defensive driving in this situation because of the amount of IDIOTS who drive here with no lane discipline and don’t use their indicators is insane.
@TwigtheWonderkid
I will be doing that first thing tomorrow Monday hopefully by then they will have a clearer picture who who’s @ fault and I’m certain it is their insured.
Previously in the past I’ve been involved in accidents that was not my fault and the TP’s insurer have always been happy for me to use them to handle the repairs to my car, so don’t know why they are being difficult and you are right with the last bit so it’s a bit silly with that they told me over the phone.
@cliffords
In the past I have been involved in accidents that was not my fault and I have gone directly to the third parties insurance and they been happy for me to get estimates and pay me a cash in lieu settlement, hence why I contacted them straight away.
@Smurfsarepeopletoo
Yes I filled the claim online with my insurance co last night and their automated systems relayed that they believe it’s the third party’s fault again until they speak to the third party insurance company, hard to know if that stance will be the same, they had a dashcam the third party I am certain they are at fault so hopefully it will make my life a lot more easier.
I will be doing that first thing tomorrow Monday hopefully by then they will have a clearer picture who who’s @ fault and I’m certain it is their insured.
Previously in the past I’ve been involved in accidents that was not my fault and the TP’s insurer have always been happy for me to use them to handle the repairs to my car, so don’t know why they are being difficult and you are right with the last bit so it’s a bit silly with that they told me over the phone.
@cliffords
In the past I have been involved in accidents that was not my fault and I have gone directly to the third parties insurance and they been happy for me to get estimates and pay me a cash in lieu settlement, hence why I contacted them straight away.
@Smurfsarepeopletoo
Yes I filled the claim online with my insurance co last night and their automated systems relayed that they believe it’s the third party’s fault again until they speak to the third party insurance company, hard to know if that stance will be the same, they had a dashcam the third party I am certain they are at fault so hopefully it will make my life a lot more easier.
[quote=paintman]Hope that during the course of the claim that the other party doesn't include the detail that they saw the damaged area was covered with PPF. Remote, but could result in an interesting conversation.[/quote
It was a someone who looked barely legal to drive a tiny 5ft girl who I thought was underage! I certainly don’t think she has any idea of PPF however.. she did take some pictures of the damaged section of my car which obviously I’m s
tting myself now as u can see that the PPF has come off a little bit..
It was a someone who looked barely legal to drive a tiny 5ft girl who I thought was underage! I certainly don’t think she has any idea of PPF however.. she did take some pictures of the damaged section of my car which obviously I’m s
tting myself now as u can see that the PPF has come off a little bit..ChopChops said:
paintman said:
Hope that during the course of the claim that the other party doesn't include the detail that they saw the damaged area was covered with PPF. Remote, but could result in an interesting conversation.[/quote
It was a someone who looked barely legal to drive a tiny 5ft girl who I thought was underage! I certainly don’t think she has any idea of PPF however.. she did take some pictures of the damaged section of my car which obviously I’m stting myself now as u can see that the PPF has come off a little bit..
Might have been worth taking a photo of the driver - if she didn’t see you it might be because she’s too short to see out of the side windows. It’s probably heightist or an actual imprisonable offence nowadays to suggest that though..It was a someone who looked barely legal to drive a tiny 5ft girl who I thought was underage! I certainly don’t think she has any idea of PPF however.. she did take some pictures of the damaged section of my car which obviously I’m s
tting myself now as u can see that the PPF has come off a little bit..Why don't insurance companies like PPF?
I cant see how it would have any material effect on the way someone drives? Or is they don't want to pay to have it reapplied after an accident? I know its not cheap, but when claims are being inflated constantly with fake whiplash and hire cars is it that much of an issue?
I cant see how it would have any material effect on the way someone drives? Or is they don't want to pay to have it reapplied after an accident? I know its not cheap, but when claims are being inflated constantly with fake whiplash and hire cars is it that much of an issue?
TwigtheWonderkid said:
They might prefer that, but they can't insist. Email or write to them with the details of their customer that caused your damage, enclose an estimate and demand they handle it. If not, write again giving them 7 days to sort it before you issue a small claims court summons. Then if they don't, go online and issue it.
What if you were driving uninsured, or had just tpo cover? They'd have to deal with your claim then.
Hmmm…. You could do that directly with the third party, and they could / should pass it on to their insurer. In any case their insurer shouldn’t even consider the claim if their policyholder hasn’t reported the incident (although I’m aware that in some cases they do).What if you were driving uninsured, or had just tpo cover? They'd have to deal with your claim then.
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