insurance 50-50
Discussion
Hi, had a small accident yesterday and think it may go 50-50 with insurance, the thing is there is next to no damage on my car so i would not be claiming. Does anybody out there know what happens as in do i claim off my own insurance in a 50-50 scenario and the third party claim on theirs, and if i do not claim off mine is my no claims safe? Many thanks for any info.
His. But, insuring his Y reg Renault Scenic is much cheaper than my Boxster S, so he is happy to blame me and hope for 50/50 which my insurance company seems to think may happen. Unfortunately I can't afford to lose my no claims for the sake of a scratch on his Y reg heaps bumper which will cost about £100 to sort out, so even though it is clearly his fault I have offered to pay for the damage to the paintwork on his car. This is very annoying.
crolandc said:
His. But, insuring his Y reg Renault Scenic is much cheaper than my Boxster S, so he is happy to blame me and hope for 50/50 which my insurance company seems to think may happen. Unfortunately I can't afford to lose my no claims for the sake of a scratch on his Y reg heaps bumper which will cost about £100 to sort out, so even though it is clearly his fault I have offered to pay for the damage to the paintwork on his car. This is very annoying.
why didnt you just argue about it- he's not going through his insurance for £100
offering to pay can be taken as admission
So why on earth would you go 50/50 if it's not your fault???? Baffled.
You both pay your excess, you both lose your NCB and you both get stiffed with your insurance for 3 years. For a little scratch???
Stick to your guns. Admit nothing. If it was his fault, let his insurers fork out.
You both pay your excess, you both lose your NCB and you both get stiffed with your insurance for 3 years. For a little scratch???
Stick to your guns. Admit nothing. If it was his fault, let his insurers fork out.
Basically because the guy was being a c*ck. He was completely insistent that they we go through insurance regardless of cost. What do you do then? I think it is over now anyway, I spoke to my insurance who said that if it did go 50/50 I would lose my no claims (or part of it). It was actually my dad (crolandc) who was driving the car as a named driver on my insurance policy. I just can't risk my no claims bonus for £100.
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