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Post by stokecitydom on Mar 19, 2024 12:35:26 GMT
Just a quick question on what to do, so if anyone has any advice it would be much appreciated.
I was involved in a minor accident the other day, the other driver crashed into me & has admitted responsibility.
I contacted my insurance company and they said they’d sort it, courtesy car, no excess, won’t affect NCD.
But then just had a call from the other drivers insurance and they’ve said that they will sort it with nothing to pay & courtesy car etc.
As I’ve never been in this situation before, what is the best way to proceed? Use my insurance or the other drivers car insurance?
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Post by desman2 on Mar 19, 2024 13:01:05 GMT
If its not your fault, you still report it to your insurance and as they said, they will take care of it. It shouldn;t effect you NCD
Also if an accident occurs in a vocational vehicle such as a works van , bus, ambulance, or anything like that you still need to inform your car insurance provider.
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Post by stokecitydom on Mar 19, 2024 13:02:14 GMT
If its not your fault, you still report it to your insurance and as they said, they will take care of it. It shouldn;t effect you NCD Also if an accident occurs in a vocational vehicle such as a works van , bus, ambulance, or anything like that you still need to inform your car insurance provider. I’ve reported it, the issue is I’ve got my insurance & the other parties insurance both saying they’ll resolve it with no cost to me. Obviously if my insurance deal with it, they will just claim it back from the other. |
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Post by bigjohnritchie on Mar 19, 2024 13:07:26 GMT
If its not your fault, you still report it to your insurance and as they said, they will take care of it. It shouldn;t effect you NCD Also if an accident occurs in a vocational vehicle such as a works van , bus, ambulance, or anything like that you still need to inform your car insurance provider. I’ve reported it, the issue is I’ve got my insurance & the other parties insurance both saying they’ll resolve it with no cost to me. Obviously if my insurance deal with it, they will just claim it back from the other. Personally I'd contact YOUR insurance, tell them you have been contacted by the other driver's insurance, and take your insurance 's advice. |
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Post by stokebloke on Mar 19, 2024 14:25:14 GMT
The same thing happened to me.
Just let your insurance sort it for you
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Post by desman2 on Mar 19, 2024 14:51:20 GMT
If its not your fault, you still report it to your insurance and as they said, they will take care of it. It shouldn;t effect you NCD Also if an accident occurs in a vocational vehicle such as a works van , bus, ambulance, or anything like that you still need to inform your car insurance provider. I’ve reported it, the issue is I’ve got my insurance & the other parties insurance both saying they’ll resolve it with no cost to me. Obviously if my insurance deal with it, they will just claim it back from the other. i think the first letter is confirmation that they will do all the necessary correspondence to sort it, and the second is to from how it looks to say that their driver is responsible and they will deal with it via your own insurance. And yes, let your insurer know you have received the other letter. |
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Post by Seymour Beaver on Mar 19, 2024 16:53:40 GMT
I was in the same position a couple of years ago. I went with my own insurance and wish I hadn't. Car got fixed, and other guy's insurance paid out but I still got f@cked over come renewal time 'because you've been involved in an accident you're regarded as higher risk Sir - yes that's right, we know you were not at fault however...... . "
Trouble is once you've reported it they know.
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Post by lawrieleslie on Mar 19, 2024 17:47:16 GMT
I was in the same position a couple of years ago. I went with my own insurance and wish I hadn't. Car got fixed, and other guy's insurance paid out but I still got f@cked over come renewal time 'because you've been involved in an accident you're regarded as higher risk Sir - yes that's right, we know you were not at fault however...... . " Trouble is once you've reported it they know. This is what happened to my sister. A white van ripped her nearside wing mirror off her VW Golf and didn’t stop. Because her insurance said her car would be written off due to its age and cost of new mirror, she withdrew her claim and got a local guy to replace it for £150. When her renewal came through it was massively increased despite her full NCD. and they said exactly the same that she was now a higher risk. NCD is hardly worth the paper it’s printed on if you have a claim. |
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Post by butlerstbob on Mar 19, 2024 18:36:14 GMT
I was in the same position a couple of years ago. I went with my own insurance and wish I hadn't. Car got fixed, and other guy's insurance paid out but I still got f@cked over come renewal time 'because you've been involved in an accident you're regarded as higher risk Sir - yes that's right, we know you were not at fault however...... . " Trouble is once you've reported it they know. I had a similar thing happen to me, my car was parked on a car park and I was in the office, a woman reversed into my car and drove off, luckily somebody saw it and I reported it through my insurance and it all got sorted as she had to admit it was Her fault because of witnesses and the fact I wasn't in my car...the next renewal my insurance shot up massively and when I contacted ahem Admiral they said It has gone up because I was involved in an accident and I was a higher risk! Even though I wasn't in the car! Needless to say I will never use Admiral again! |
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Post by lawrieleslie on Mar 19, 2024 18:49:35 GMT
I was in the same position a couple of years ago. I went with my own insurance and wish I hadn't. Car got fixed, and other guy's insurance paid out but I still got f@cked over come renewal time 'because you've been involved in an accident you're regarded as higher risk Sir - yes that's right, we know you were not at fault however...... . " Trouble is once you've reported it they know. I had a similar thing happen to me, my car was parked on a car park and I was in the office, a woman reversed into my car and drove off, luckily somebody saw it and I reported it through my insurance and it all got sorted as she had to admit it was Her fault because of witnesses and the fact I wasn't in my car...the next renewal my insurance shot up massively and when I contacted ahem Admiral they said It has gone up because I was involved in an accident and I was a higher risk! Even though I wasn't in the car! Needless to say I will never use Admiral again! All insurance companies have the same policy of you being "higher risk" if you make any kind of claim even if, like you, you had no control over what happened. |
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Post by Seymour Beaver on Mar 19, 2024 20:40:52 GMT
I was in the same position a couple of years ago. I went with my own insurance and wish I hadn't. Car got fixed, and other guy's insurance paid out but I still got f@cked over come renewal time 'because you've been involved in an accident you're regarded as higher risk Sir - yes that's right, we know you were not at fault however...... . " Trouble is once you've reported it they know. I had a similar thing happen to me, my car was parked on a car park and I was in the office, a woman reversed into my car and drove off, luckily somebody saw it and I reported it through my insurance and it all got sorted as she had to admit it was Her fault because of witnesses and the fact I wasn't in my car...the next renewal my insurance shot up massively and when I contacted ahem Admiral they said It has gone up because I was involved in an accident and I was a higher risk! Even though I wasn't in the car! Needless to say I will never use Admiral again! It was Admiral that 'looked after' me so well. |
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Post by dave1 on Mar 19, 2024 21:45:50 GMT
The reason that the other insurer will try to 'capture' you is that it's significantly cheaper for them to arrange your repair than your own insurer.
If you go through your own insurer I assume that they'll try and put you through credit hire and repair (basically they earn significant kick backs for the hire and repair).
The only thing I'm not sure of is the impact to your insurance if you claim through your own insurance.
The whole industry is like the wild west, with ultimately us consumers footing the bill through increased premiums.
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Post by butlerstbob on Mar 19, 2024 22:14:33 GMT
I had a similar thing happen to me, my car was parked on a car park and I was in the office, a woman reversed into my car and drove off, luckily somebody saw it and I reported it through my insurance and it all got sorted as she had to admit it was Her fault because of witnesses and the fact I wasn't in my car...the next renewal my insurance shot up massively and when I contacted ahem Admiral they said It has gone up because I was involved in an accident and I was a higher risk! Even though I wasn't in the car! Needless to say I will never use Admiral again! It was Admiral that 'looked after' me so well. Yeah they are well known for it, not had the same issues with General Accident! |
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Post by scottzbj on Mar 20, 2024 2:44:57 GMT
This happened to me twice. I contacted my insurance company first but the dealership where I bought the car wasn’t on their list of approved repairers. I called the BMW garage where I bought it and they said if you’re 100% sure it’s not your fault then they can put me in touch with a no fault specialist. The company is called AX (ax-uk.com). They sort you out with the replacement car and get all the costs back from the other insurer. I’ve had to use them twice and they were really good both times. Definitely don’t use the other driver's insurance company as they are motivated to keep their costs low.
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Post by LL Cool Dave on Mar 20, 2024 7:08:07 GMT
Claim from the third party insurer.
Dave, too many years in the industry that I care to mention.
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Post by Marc01 on Mar 20, 2024 18:51:55 GMT
Claim from the third party insurer. Dave, too many years in the industry that I care to mention. Agree with this, solely based two separate incidents years apart. First one happened driving back from Stoke V Wolves in 96. 🙂 Second one was someone from Wolverhampton (unfamiliar with a slightly unusual local traffic light arrangement) crashing in to me. In both cases, the resolutions ran smoothly without any input from my insurers. |
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