Non-fault Accident and Insurance...
Discussion
Forgive me PH, I need to rant...
This started a couple of weeks ago when some useless bint went into the back of me when setting off from a set of traffic lights, this has caused some small damage to my brand new car (6 weeks old, just what I don't need)... now it's her fault, although she tried to say I stopped at first but dashcam footage proved otherwise.
At the time I couldn't see anything major except for a small scuff which I thought would polish out, and as both of us didn't really want to go through insurance (she'd been in accidents previously, and I knew from past experience it would be a PITA) agreed to try as such when I got home and give her a call if the situation changed and discuss repairing it outside of insurance.
Got home after work and cleaned the car and double checked the damage, turns out there is a crease/dent in the bumper and damage to the diffuser which I couldn't see at the time..
I grabbed a quote for the damage, although minor its going to cost £580 as the damage to the rear diffuser which was hit has to be completely replaced and cant just be touched up.
Met up with the woman today to show the damage more clearly and give the quote, to which her and her father - who came with - claimed there isn't any damage there (there is...) shouldn't be costing that much as there is more damage to her car than mine and the quote to repair her car wasn't as much (it's a 5 year old Suzuki Alto, it's not going to realistically...) and that this is all going one way (my way) so what about the damage to her car, as I should pay for that... WTF!? SHE HIT ME!
I explained that as she hit me, I wouldn't be paying for the damage to her car as it was her own bloody fault and she would need to either go through her insurance to repair her car, or pay out of her own pocket.
She said it will have to go through insurance or nothing, and also wanted my insurance details to claim off me... You don't need my insurance details love, you need your own as it's YOUR F
KING FAULT FFS!
This went back and forth for a bit before the father said it didn't matter as they had my registration, and tried arguing the insurers would battle it out and it would go 50/50 anyway as they don't like wasting time... It's clear cut mate, she admitted going into the back of me, and I have dashcam footage showing I didn't do anything wrong, there is no 50/50 to battle out, it's HER FAULT! JESUS H EFFING CHRIST!
Since its now got to go through insurance, I decided to have a play around to see what the cost of my insurance will be with this added claim since renewal is next month as my previous experience told me it would go up ... Despite this being a non-fault on my part, My renewal goes from £2052.48 to.... £5414.08!
and that is after hours of trying different places online, to start with it was at £7869.12!
Please, someone explain to me how the fk an accident which wasn't my fault is going to cost me over 3 fking grand!? In what world is that in any-fking-way acceptable? I thought it was bad enough the last time someone went into me and it went to £2948 from £1152 despite not being my fault... but FIVE FKING GRAND TO INSURE A CAR!?
Obviously this leaves me with a bitter pill of £580 I'm going to have to swallow myself, as I really cannot justify that amount of money for car insurance no matter what it is. Although as she is going to claim off her insurance, it leaves me wondering if I'll be affected anyway come renewal as I suspect my insurer will end up being notified.
Pictures of the damage if interested:
My best Insurance quotes just for the hell of it....
Anyone that wasn't on a comparison website just flatout refused to quote me as well
I'm left wondering what the point of having car insurance is, because based on my experience, you can't actually use it without being absolutely shafted come renewal.
This started a couple of weeks ago when some useless bint went into the back of me when setting off from a set of traffic lights, this has caused some small damage to my brand new car (6 weeks old, just what I don't need)... now it's her fault, although she tried to say I stopped at first but dashcam footage proved otherwise.
At the time I couldn't see anything major except for a small scuff which I thought would polish out, and as both of us didn't really want to go through insurance (she'd been in accidents previously, and I knew from past experience it would be a PITA) agreed to try as such when I got home and give her a call if the situation changed and discuss repairing it outside of insurance.
Got home after work and cleaned the car and double checked the damage, turns out there is a crease/dent in the bumper and damage to the diffuser which I couldn't see at the time..
I grabbed a quote for the damage, although minor its going to cost £580 as the damage to the rear diffuser which was hit has to be completely replaced and cant just be touched up.
Met up with the woman today to show the damage more clearly and give the quote, to which her and her father - who came with - claimed there isn't any damage there (there is...) shouldn't be costing that much as there is more damage to her car than mine and the quote to repair her car wasn't as much (it's a 5 year old Suzuki Alto, it's not going to realistically...) and that this is all going one way (my way) so what about the damage to her car, as I should pay for that... WTF!? SHE HIT ME!
I explained that as she hit me, I wouldn't be paying for the damage to her car as it was her own bloody fault and she would need to either go through her insurance to repair her car, or pay out of her own pocket.
She said it will have to go through insurance or nothing, and also wanted my insurance details to claim off me... You don't need my insurance details love, you need your own as it's YOUR F
KING FAULT FFS!This went back and forth for a bit before the father said it didn't matter as they had my registration, and tried arguing the insurers would battle it out and it would go 50/50 anyway as they don't like wasting time... It's clear cut mate, she admitted going into the back of me, and I have dashcam footage showing I didn't do anything wrong, there is no 50/50 to battle out, it's HER FAULT! JESUS H EFFING CHRIST!
Since its now got to go through insurance, I decided to have a play around to see what the cost of my insurance will be with this added claim since renewal is next month as my previous experience told me it would go up ... Despite this being a non-fault on my part, My renewal goes from £2052.48 to.... £5414.08!
and that is after hours of trying different places online, to start with it was at £7869.12!Please, someone explain to me how the f
k an accident which wasn't my fault is going to cost me over 3 fking grand!? In what world is that in any-fking-way acceptable? I thought it was bad enough the last time someone went into me and it went to £2948 from £1152 despite not being my fault... but FIVE FKING GRAND TO INSURE A CAR!?Obviously this leaves me with a bitter pill of £580 I'm going to have to swallow myself, as I really cannot justify that amount of money for car insurance no matter what it is. Although as she is going to claim off her insurance, it leaves me wondering if I'll be affected anyway come renewal as I suspect my insurer will end up being notified.
Pictures of the damage if interested:
My best Insurance quotes just for the hell of it....
Anyone that wasn't on a comparison website just flatout refused to quote me as well
I'm left wondering what the point of having car insurance is, because based on my experience, you can't actually use it without being absolutely shafted come renewal.
Afternoon,
@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
@Loksie - The woman is aware of which company I'm insured with and has all my relevant details, she was after my policy number to claim directly off my insurance for the damage to her car, which is ridiculous as it needs to go through her insurance. My only other accident neither of us gave policy numbers, just phoned our respective insurance and notified them, they never asked for the others policy number, just name and registration. She hit my car not me personally, sorry if my post wasn't clear.
I won't be claiming for my damage anyway, I'm better off taking the £580 hit rather than getting shafted if the claim is recorded on my file, mine and her insurance will be aware obviously but if I don't personally claim then there isn't anything to declare IMO come renewal.
Regarding me, I'm 24 had licence 6yrs, 5yrs NCB (Protected) in a half decent area.. The car is nothing ridiculous IMO, it's a 2019 C43 AMG coupe. I'm not too fussed about paying £2K to be insured - I knew what the insurance was going to be like before I bought it (Although I admit I didn't check what the cost would be for another non-fault claim, I'll make sure to do that next time I look at purchasing a car) - the main reason it's that high is due to the business miles I have on the policy.
I'm just in disbelief that someone going into the back of me results in me being expected to pay an additional £3.5K for something that isn't my fault.
@StuE39, I asked about the repair when I was getting quotes, they can smart repair the bumper bit no problem, but they've all said they can't match the finish of the black trim and it would need replacing.
Thanks for everyone's input, works been hectic so not had much chance to reply before now.
My insurance was notified under 'information-only', they agreed with the dash cam footage and said I wasn't at fault, it was 100% the other party and have said it would be taken no further if the other party tried to claim against me.
The person I spoke with seemed vague and unwilling to answer if I needed to declare come renewal though, I suspect I will as Bumblebee7 said unfortunately
It's probably a good job I'm not intending to claim on the woman's insurance, as its turned out her drivers licence/insurance/actual address are different so I guess they could invalidate it based on that? At the very least I would guess a hike in her premium.
My insurance was notified under 'information-only', they agreed with the dash cam footage and said I wasn't at fault, it was 100% the other party and have said it would be taken no further if the other party tried to claim against me.
The person I spoke with seemed vague and unwilling to answer if I needed to declare come renewal though, I suspect I will as Bumblebee7 said unfortunately
It's probably a good job I'm not intending to claim on the woman's insurance, as its turned out her drivers licence/insurance/actual address are different so I guess they could invalidate it based on that? At the very least I would guess a hike in her premium.
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