Car hit in car park
Discussion
One of my 3 cars (fortunately neither of the 2 far more precious cars) was reversed into whilst parked in a supermarket car park.
My wife was using the car (she is a named driver).
The lady who reversed into it left her details and the fact she had done the damage on a piece of paper.
I called her and she, after being apologetic, said she wasn't sure whether to just pay to have the damage repaired or go through her insurance.
I got a quote for my car at £330 + VAT so around £400. It is a heat up the plastic bumper to reshape a small area and repaint.
She now says that she wants to go through her insurance.
Never ever having had a prang in 50 years of driving I have a few questions.
I have a £350 excess.
Will my insurance company make me pay the £350 excess if it is another parties fault.
If so, for the £50 am I not better just paying to have the work done and not advising my insurance company?
Maybe if I pay myself she will just pay to have hers repaired rather than involve her insurance company!
I don't think the other party took my car details although she has my mobile number.
Going forward would I need to declare this as it presumably will impact all three of my policies.
My wife was using the car (she is a named driver).
The lady who reversed into it left her details and the fact she had done the damage on a piece of paper.
I called her and she, after being apologetic, said she wasn't sure whether to just pay to have the damage repaired or go through her insurance.
I got a quote for my car at £330 + VAT so around £400. It is a heat up the plastic bumper to reshape a small area and repaint.
She now says that she wants to go through her insurance.
Never ever having had a prang in 50 years of driving I have a few questions.
I have a £350 excess.
Will my insurance company make me pay the £350 excess if it is another parties fault.
If so, for the £50 am I not better just paying to have the work done and not advising my insurance company?
Maybe if I pay myself she will just pay to have hers repaired rather than involve her insurance company!
I don't think the other party took my car details although she has my mobile number.
Going forward would I need to declare this as it presumably will impact all three of my policies.
It's a non fault claim for you so your insurers should get the excess back from her insurers.
Yes, you will need to declare it for future years. Some people will tell you that it will affect your insurance for many years and it WILL go up etc etc - but that's often not true even for fault claims.
Yes, you will need to declare it for future years. Some people will tell you that it will affect your insurance for many years and it WILL go up etc etc - but that's often not true even for fault claims.
I've had similar, although I was sat in the parked car when the other driver hit mine.
It will count as a "Not at Fault" claim on your insurance.
Yes you will have to declare it. My premiums actually went down subsequently, insurance isn't always logical.
You won't have to pay your excess. The claim is on her insurance.
Don't leave it too long to inform your insurer, and make sure she has admitted liability.
Keep a record of everything.
It will count as a "Not at Fault" claim on your insurance.
Yes you will have to declare it. My premiums actually went down subsequently, insurance isn't always logical.
You won't have to pay your excess. The claim is on her insurance.
Don't leave it too long to inform your insurer, and make sure she has admitted liability.
Keep a record of everything.
davek_964 said:
It's a non fault claim for you so your insurers should get the excess back from her insurers.
There is another thread running where it is explained that this is not the case. Even though the OP is clearly not at fault; the excess is regarded as an uninsured loss so he won't get that back.ETA - as the claim amount is only £50 in effect the OP's insurers may not even progress the claim.
Edited by GasEngineer on Tuesday 19th August 08:34
GasEngineer said:
There is another thread running where it is explained that this is not the case. Even though the OP is clearly not at fault; the excess is regarded as an uninsured loss so he won't get that back.
ETA - as the claim amount is only £50 in effect the OP's insurers may not even progress the claim.
That is not my experience when making non-fault claims.ETA - as the claim amount is only £50 in effect the OP's insurers may not even progress the claim.
Edited by GasEngineer on Tuesday 19th August 08:34
With my claims, it was pay the excess, claim progresses, once all 100% settled as non-fault, excess is returned.
nvubu said:
Contact her insurance company directly. Tell yours for information purposes only.
That's what I did twice when my wife was hit from the rear. The 3rd party insurance company dealt with everything and within a couple of weeks the car was in and fixed, with a replacement car.
This is what we did when someone reversed into our car. That's what I did twice when my wife was hit from the rear. The 3rd party insurance company dealt with everything and within a couple of weeks the car was in and fixed, with a replacement car.
Third party's insurance company contacted us directly and sent someone round to check the car, they actually wrote the car off but let us buy it back to repair. Contacted our insurance company for information purposes only.
The only downside is that as it was a named driver on your insurance policy, you will both (you and your wife) have to inform the insurers of your other vehicles - so you will need to tell the insurers of your other two cars that you have a non-fault claim, and if your wife has her own car insurance she will have to tell them that she has a non-fault claim also.
Both non-fault claims we've made with LV they immediately waived our excess. I've read of other companies doing it too.
In one of our cases, the 3rd party insurers, M&S, contacted us a couple of days later and were really keen to handle the claim themselves, but I'd already put things in motion.
In the other, car was rear ended and written off by an Argos van - the 3rd party insurer wouldn't even respond to LV, they had to start legal action against them.
In one of our cases, the 3rd party insurers, M&S, contacted us a couple of days later and were really keen to handle the claim themselves, but I'd already put things in motion.
In the other, car was rear ended and written off by an Argos van - the 3rd party insurer wouldn't even respond to LV, they had to start legal action against them.
InitialDave said:
That is not my experience when making non-fault claims.
With my claims, it was pay the excess, claim progresses, once all 100% settled as non-fault, excess is returned.
With my claims, it was pay the excess, claim progresses, once all 100% settled as non-fault, excess is returned.
Sheepshanks said:
Both non-fault claims we've made with LV they immediately waived our excess. I've read of other companies doing it too.
That was what I thought was the case - but was corrected (wrongly it now appears) in this thread. https://www.pistonheads.com/gassing/topic.asp?h=0&...
nvubu said:
Contact her insurance company directly. Tell yours for information purposes only.
That's what I did twice when my wife was hit from the rear. The 3rd party insurance company dealt with everything and within a couple of weeks the car was in and fixed, with a replacement car.
This is what you do. Then you don't pay any money out.That's what I did twice when my wife was hit from the rear. The 3rd party insurance company dealt with everything and within a couple of weeks the car was in and fixed, with a replacement car.
GasEngineer said:
That was what I thought was the case - but was corrected (wrongly it now appears) in this thread.
https://www.pistonheads.com/gassing/topic.asp?h=0&...
I think the issue is that was originally posted as being a hit and run.https://www.pistonheads.com/gassing/topic.asp?h=0&...
If you're hit by an unidentifiable driver, or for some other reason the claim cannot be progressed to closure as a non-fault claim, yes, you will probably lose your excess.
"Non-fault" is something of a poor naming convention, as it's less about whether it's your fault than whether it can be attributed to and claimed for from.an identified 3rd party.
A claim that isn't your fault in terms of blame or cause can still be an "at fault" claim if your insurer is left holding the bag for it.
InitialDave said:
GasEngineer said:
That was what I thought was the case - but was corrected (wrongly it now appears) in this thread.
https://www.pistonheads.com/gassing/topic.asp?h=0&...
I think the issue is that was originally posted as being a hit and run.https://www.pistonheads.com/gassing/topic.asp?h=0&...
If you're hit by an unidentifiable driver, or for some other reason the claim cannot be progressed to closure as a non-fault claim, yes, you will probably lose your excess.
"Non-fault" is something of a poor naming convention, as it's less about whether it's your fault than whether it can be attributed to and claimed for from.an identified 3rd party.
A claim that isn't your fault in terms of blame or cause can still be an "at fault" claim if your insurer is left holding the bag for it.
Sheepshanks said:
Both non-fault claims we've made with LV they immediately waived our excess. I've read of other companies doing it too.
In one of our cases, the 3rd party insurers, M&S, contacted us a couple of days later and were really keen to handle the claim themselves, but I'd already put things in motion.
In the other, car was rear ended and written off by an Argos van - the 3rd party insurer wouldn't even respond to LV, they had to start legal action against them.
I decided to call my insurance company LV.In one of our cases, the 3rd party insurers, M&S, contacted us a couple of days later and were really keen to handle the claim themselves, but I'd already put things in motion.
In the other, car was rear ended and written off by an Argos van - the 3rd party insurer wouldn't even respond to LV, they had to start legal action against them.
They have immediately waived the excess, arranged for the car to be collected as soon as there is a slot at their bodyshop nearby and have a replacement car delivered.
I asked about my renewal, which is due in September on my 2 Porsches and the agent said that as long as there isn't a dispute over responsibility which from all the information I have provided and the note admitting responsibility and the checks she has done on the other party she said my premium should not be affected by this non liability claim. I can only hope.
JurassicGTS said:
I decided to call my insurance company LV.
They have immediately waived the excess, arranged for the car to be collected as soon as there is a slot at their bodyshop nearby and have a replacement car delivered.
I asked about my renewal, which is due in September on my 2 Porsches and the agent said that as long as there isn't a dispute over responsibility which from all the information I have provided and the note admitting responsibility and the checks she has done on the other party she said my premium should not be affected by this non liability claim. I can only hope.
Fingers crossed.They have immediately waived the excess, arranged for the car to be collected as soon as there is a slot at their bodyshop nearby and have a replacement car delivered.
I asked about my renewal, which is due in September on my 2 Porsches and the agent said that as long as there isn't a dispute over responsibility which from all the information I have provided and the note admitting responsibility and the checks she has done on the other party she said my premium should not be affected by this non liability claim. I can only hope.
In the two claims I mentioned, it didn't appear to change the premium (you can't tell exactly as it moves about a bit each year but it wasn't obvious, even on the write off).
However one of our cars was swiped by a bus while parked, and the bus company paid a hefty cash settlement, only for the scuff to 98% polish out, which I decided was good enough. I didn't tell LV for a couple of years as I decided the terminology on the renewal was sufficently vague that I could bluff it if caught. But then I had to call them a couple of years later and on being asked the question verbally but in more detail I did declare the incident. They put the premium up £50, which was about 20% at the time.
Sheepshanks said:
Fingers crossed.
In the two claims I mentioned, it didn't appear to change the premium (you can't tell exactly as it moves about a bit each year but it wasn't obvious, even on the write off).
However one of our cars was swiped by a bus while parked, and the bus company paid a hefty cash settlement, only for the scuff to 98% polish out, which I decided was good enough. I didn't tell LV for a couple of years as I decided the terminology on the renewal was sufficently vague that I could bluff it if caught. But then I had to call them a couple of years later and on being asked the question verbally but in more detail I did declare the incident. They put the premium up £50, which was about 20% at the time.
In the two claims I mentioned, it didn't appear to change the premium (you can't tell exactly as it moves about a bit each year but it wasn't obvious, even on the write off).
However one of our cars was swiped by a bus while parked, and the bus company paid a hefty cash settlement, only for the scuff to 98% polish out, which I decided was good enough. I didn't tell LV for a couple of years as I decided the terminology on the renewal was sufficently vague that I could bluff it if caught. But then I had to call them a couple of years later and on being asked the question verbally but in more detail I did declare the incident. They put the premium up £50, which was about 20% at the time.
I think LV seem to be a very reasonable company to deal with.....for an insurance company!M11rph said:
I've had similar, although I was sat in the parked car when the other driver hit mine.
It will count as a "Not at Fault" claim on your insurance.
Yes you will have to declare it. My premiums actually went down subsequently, insurance isn't always logical.
You won't have to pay your excess. The claim is on her insurance.
Don't leave it too long to inform your insurer, and make sure she has admitted liability.
Keep a record of everything.
I had a Mercedes hit my parked car last month, the guy refused to give me his details and gave me a load of attitude so stuff him, currently I have a hire car courtesy of his insurance.It will count as a "Not at Fault" claim on your insurance.
Yes you will have to declare it. My premiums actually went down subsequently, insurance isn't always logical.
You won't have to pay your excess. The claim is on her insurance.
Don't leave it too long to inform your insurer, and make sure she has admitted liability.
Keep a record of everything.
JurassicGTS said:
I decided to call my insurance company LV.
They have immediately waived the excess, arranged for the car to be collected as soon as there is a slot at their bodyshop nearby and have a replacement car delivered.
I asked about my renewal, which is due in September on my 2 Porsches and the agent said that as long as there isn't a dispute over responsibility which from all the information I have provided and the note admitting responsibility and the checks she has done on the other party she said my premium should not be affected by this non liability claim. I can only hope.
Good news OP.They have immediately waived the excess, arranged for the car to be collected as soon as there is a slot at their bodyshop nearby and have a replacement car delivered.
I asked about my renewal, which is due in September on my 2 Porsches and the agent said that as long as there isn't a dispute over responsibility which from all the information I have provided and the note admitting responsibility and the checks she has done on the other party she said my premium should not be affected by this non liability claim. I can only hope.
Demonstrates that the info given on the other thread I linked to about the excess being uninsured is b
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