Does an road accident need to be reported

[PJ87]

Not completely true - it gets you peace of mind - though first you have to accept that you have done the right thing

If insurance worked how it should prob would make me feel better. For example the more honest you are with the companies like in this situation the less risk you are because you are trust worthy

However their “theory” that someone who’s rear ended at a set of lights when it’s red is suddenly more likely to have an at fault accident is bull.

 

[jusme]

I agree with many posters here....keep insurance companies in the dark if at all possible. I learned the hard way. I've since settled a few accidents in private with no problems. Can't see an old lady trying to fiddle you.

The less insurance companies know the better. No such thing as no fault as far as they are concerned.

 

[PJ87]

I agree with many posters here....keep insurance companies in the dark if at all possible. I learned the hard way. I've since settled a few accidents in private with no problems. Can't see an old lady trying to fiddle you.

The less insurance companies know the better. No such thing as no fault as far as they are concerned.

They are massive con artists (no offence to those who work for them it’s the companies not them)

Had someone vandelise my car years ago now. Caught them. They were arrested. Admitted it to get a caution from the police yet I kissed my no claims goodbye and my excess wasn’t covered. Was deemed an “at fault” claim even though we knew who did it.. apparently they couldn’t chase them for the money. What a load of rubbish . Con artists

 

[Mudball]

They are massive con artists (no offence to those who work for them it’s the companies not them)

Had someone vandelise my car years ago now. Caught them. They were arrested. Admitted it to get a caution from the police yet I kissed my no claims goodbye and my excess wasn’t covered. Was deemed an “at fault” claim even though we knew who did it.. apparently they couldn’t chase them for the money. What a load of rubbish . Con artists

As luck would have it, my insurance co (who claim not to be on price comparison website and do great landlord insurance) auto renewed my car insurance earlier this month. I have been with them for a long while... no change in my circumstances, same car, same house, only difference - I am a year old and I have an additional year of NCD... so what do they do when it auto renews.. they put it up by a 100 quid!!!. Called them up and the explanation, we have updated our underwriting models and therefore the premium has gone up!!!.. What a load of tosh. Moved to another provider and got 100 quid off my current insurance.. thieves all of them.. ..

 

[PJ87]

As luck would have it, my insurance co (who claim not to be on price comparison website and do great landlord insurance) auto renewed my car insurance earlier this month. I have been with them for a long while... no change in my circumstances, same car, same house, only difference - I am a year old and I have an additional year of NCD... so what do they do when it auto renews.. they put it up by a 100 quid!!!. Called them up and the explanation, we have updated our underwriting models and therefore the premium has gone up!!!.. What a load of tosh. Moved to another provider and got 100 quid off my current insurance.. thieves all of them.. ..

One year I found insurance £300 cheaper elsewhere so called up to leave. Admiral said oh we can offer you it £150 off (still £150 more) as a “loyalty” bonus .. I questioned why on earth I would stay when I can get it cheaper elsewhere?

 

[USER1999]

My wife fessed up to someone rear ending a hire car she was driving. At renewal, her premium went up 400, as she was a higher risk.

Cost to them, zip. Admin for them, zip.

I do not trust car insurance companies. They need to be permanently kept in the dark, or they will shaft you every which way.

 

[Mudball]

What does the insurance co mean by ‘don’t accept liability?’ When you hit a stationary vehicle as in our case there is not much wriggle room .. or is there?

 

[Kellfire]

I am a year old

Probably fair enough that they charge you quite a high premium.

 

[Mudball]

Went down to the bodyshop.. the guy looked at it from all angles and (like the guy from the Volvo showroom)... went, it needs a new bumper. He thinks the crumple zones and supporting beams should be ok as the bumpers are designed to tear away rather than pass on the shock.

Initial estimate, he does not expect change from £1500!! waiting for the written quote. Our OAP will not be happy...

 

[Mudball]

So... strange twist of events..
.. I got a call from the other party insurance. They mentioned that their client has admitted fault and wants to settle. So they asked if I want to deal directly with them (the insurer) or do I want to involve my insurance. So i asked whats the difference
1) If I deal directly with her insurer, then they will settle straightaway with no cost to me
2) If I involve my insurer, I might have to pay my excess.

Anyone come across this situation? Is it legal? Watchouts?

 

[USER1999]

You would still need to inform your insurer that you have been in an accident, and your premium will rise accordingly.

 

[Mudball]

You would still need to inform your insurer that you have been in an accident, and your premium will rise accordingly.

If the other insurer wants to deal directly, do i still need to inform? again, both the other party and their insurer has admitted fault

 

[USER1999]

Insurance is all data based. It will flag up eventually with your insurers, and you will not have told them you were in an accident. You need to read the small print.

They are entitled to know every thing which they can use to increase your premium.

 

[PJ87]

If the other insurer wants to deal directly, do i still need to inform? again, both the other party and their insurer has admitted fault

I’d say you ring them say I’ve been involved in a non fault accident and I won’t be claiming we have settled the damage with the other insurance

That should protect you completely , yes you may go up a year call it £50 but u can get around that with compassion websites and haggling

 

[Blue in Munich]

So... strange twist of events..
.. I got a call from the other party insurance. They mentioned that their client has admitted fault and wants to settle. So they asked if I want to deal directly with them (the insurer) or do I want to involve my insurance. So i asked whats the difference
1) If I deal directly with her insurer, then they will settle straightaway with no cost to me
2) If I involve my insurer, I might have to pay my excess.

Anyone come across this situation? Is it legal? Watchouts?

Never mind a phone call, get the offer in writing or on e-mail is the first thing.

How are they settling; using a bona fide repair centre or a back street paint shop; genuine or pattern parts? IIRC your car is on a PCP, so technically it's not yours. I would speak to your finance company to see what they are happy with. At the end of the day you will be in a whole heap more trouble if they are not happy with the quality of the repair when you return it (assuming you do).

If it is on a PCP I would put it back to your dealer for them to repair it to their standard and send the bill to the opposition, having explained your position and told them what you propose to do. If they aren't happy with that then see what their counter offer is. The threat of you paying the excess is BS as if you do pay it to your insurance company you claim it back off of them, so while you may pay it you'll get it back. Their client caused the problem, they are liable for it.

The other thing to remember is that whilst they might sound like they are trying to do you a favour, they are not; they do not give a tinker's cuss about you or your car, they are trying to do themselves a favour and get out of their legal responsibility as cheaply as possible.

 

[Mudball]

Never mind a phone call, get the offer in writing or on e-mail is the first thing.

How are they settling; using a bona fide repair centre or a back street paint shop; genuine or pattern parts? IIRC your car is on a PCP, so technically it's not yours. I would speak to your finance company to see what they are happy with. At the end of the day you will be in a whole heap more trouble if they are not happy with the quality of the repair when you return it (assuming you do).

If it is on a PCP I would put it back to your dealer for them to repair it to their standard and send the bill to the opposition, having explained your position and told them what you propose to do. If they aren't happy with that then see what their counter offer is. The threat of you paying the excess is BS as if you do pay it to your insurance company you claim it back off of them, so while you may pay it you'll get it back. Their client caused the problem, they are liable for it.

The other thing to remember is that whilst they might sound like they are trying to do you a favour, they are not; they do not give a tinker's cuss about you or your car, they are trying to do themselves a favour and get out of their legal responsibility as cheaply as possible.

Thanks mate... very helpful. I had asked them to call me back today, so will see how it develops.

 

[Canary_Yellow]

Thanks mate... very helpful. I had asked them to call me back today, so will see how it develops.

Not sure if this is too late, but you are better off claiming from her insurance than via your own.

You can insist on a like for like hire car replacement when yours is being repaired (rather than the crappy one your insurance co will give you) and you can also dictate who does the work. The insurers prefer you to do it this way as it is cheaper for them too as it means they don't end up dealing with a third party accident management company who charge them an absolute fortune for providing a hire car etc to you.

I was driving a BMW 1 series convertible a couple of years ago and my neighbour drove into me. I claimed directly on their insurance (although I did notify my own insurer of the accident too) and they bent over backwards to help me get it sorted. I ended up being given a BMW 435d convertible for a couple of weeks while mine was in the garage as I insisted that as the damaged car was a convertible they needed to replace it with the same - that was a great result! Went on holiday to the lake district in it for a week.