| Car insurance claim 15:14 - Jul 3 with 1757 views | TractorCam |
So a few days ago I was involved in a very minor incident where I slightly scraped against another car. They are claiming against my insurance so a couple of questions I have
1) Should my insurance have told me about this? I submitted my own claim which was basically a case of informing them and presuming it would coincide with their claim, but they've not told me about any claim against me yet.
2) Should I still be in contact with the other driver, or is it now a case of everything should now be through insurance without me having any involvement?
Any advice would be appreciated, thanks. |  |
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| Car insurance claim on 15:25 - Jul 3 with 1678 views | itfckenty |
you should receive a letter at some point or a call to clarify what happened and give your take on the incident that took place - my wife's been through this a fair amount in the past.. haha - you'll get something, but can takes ages.
2. no need to be in touch with the driver, the legal sides of it will go through your insurance company, they deal with everything - hence the insurance costs.
to note, if you ever receive paperwork from solicitors because your insurance company is slow in dealing with the process, don't panic - it's a tactic to make you panic - it's your insurance companies job. |  | | |
| Car insurance claim on 15:29 - Jul 3 with 1658 views | Help |
You have insurance for these very circumstances. I assume when you told your insurer about the incident that you admitted fault. Therefore they are obligated to deal with the third party claim in the best possible terms.
So for you and your insurers it will be to mitigate the loss. They do not need to tell you unless liability is in dispute. You should no longer have any contact with the other driver. The respective insurers will deal with the claim and each other to sort it out.
I assume the other party may not have wanted to use their own insurance so hence why they are using yours. Either way the result is the same. Your insurer will eventually pay for the damage caused to both vehicles, and at renewal you will pay through increased premiums. |  |
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| Car insurance claim on 15:42 - Jul 3 with 1624 views | TractorCam |
| Car insurance claim on 15:29 - Jul 3 by Help |
You have insurance for these very circumstances. I assume when you told your insurer about the incident that you admitted fault. Therefore they are obligated to deal with the third party claim in the best possible terms.
So for you and your insurers it will be to mitigate the loss. They do not need to tell you unless liability is in dispute. You should no longer have any contact with the other driver. The respective insurers will deal with the claim and each other to sort it out.
I assume the other party may not have wanted to use their own insurance so hence why they are using yours. Either way the result is the same. Your insurer will eventually pay for the damage caused to both vehicles, and at renewal you will pay through increased premiums. |
Thank you both, I admitted fault yes.
One other thing which follows your last sentence, the next stage of my claim is regarding my own repair but I might just get my mate to sort that. If he does, do you reckon I can withdraw to keep my no claims bonus? Or is that redundant with the claim against me? | |
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| Car insurance claim on 16:01 - Jul 3 with 1563 views | itfckenty |
| Car insurance claim on 15:42 - Jul 3 by TractorCam |
Thank you both, I admitted fault yes.
One other thing which follows your last sentence, the next stage of my claim is regarding my own repair but I might just get my mate to sort that. If he does, do you reckon I can withdraw to keep my no claims bonus? Or is that redundant with the claim against me? |
redundant mate, as they will be claiming against yourself. | | | |
| Car insurance claim on 16:13 - Jul 3 with 1504 views | BrentwoodBlagger2 |
Your No Claims Discount may be safe if its protected, but your insurer will increase your premium anyway as its a fault claim against you unfortunately and that will be on your insurance record even if you change insurer. Hope your policy is not due for renewal in the next few months as this will be an 'open claim'. Good luck. |  | | |
| Car insurance claim on 16:18 - Jul 3 with 1482 views | TractorCam |
| Car insurance claim on 16:13 - Jul 3 by BrentwoodBlagger2 |
Your No Claims Discount may be safe if its protected, but your insurer will increase your premium anyway as its a fault claim against you unfortunately and that will be on your insurance record even if you change insurer. Hope your policy is not due for renewal in the next few months as this will be an 'open claim'. Good luck. |
4 months, i'd like to think it's sorted by then! | |
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| Car insurance claim on 16:38 - Jul 3 with 1438 views | jontysnut |
| Car insurance claim on 16:13 - Jul 3 by BrentwoodBlagger2 |
Your No Claims Discount may be safe if its protected, but your insurer will increase your premium anyway as its a fault claim against you unfortunately and that will be on your insurance record even if you change insurer. Hope your policy is not due for renewal in the next few months as this will be an 'open claim'. Good luck. |
My daughter had a bump where the other driver claimed and we disputed - after a year it was settled as joint fault. However during this we took out new insurance with Admiral with an open claim and I have to say they were very good about it - yes the premium was a bit higher but not as bad as I thought. We didn't claim for damage to my daughter's car on her policy though. Local garage said the insurer would write it off rather than repair but it was fixable & safe. |  | | |
| Car insurance claim on 17:05 - Jul 3 with 1353 views | Ryorry |
I'd recommend asking your insurers, as a general point rather than re this claim specifically, to let you have sight of any correspondence they send to third parties.
When I lived on the Orkney Islands years ago, my landlords' farm tractor scraped my car so I claimed for the (minor, I think under £200) repairs to my then insurers. Thought it was all amicable & being settled, but next thing I knew was an eviction letter from the landlords ...
Baffled, I asked why, & was told "that letter you sent us". "What letter?" I asked, as hadn't sent them anything. They then waved a letter from my insurers under my nose - written in my name, without my knowledge, threatening to take my landlords to court!
Explained to landlords, restored good relations (with a bit of hard work), was allowed to stay on in my rent, had words with the insurers & didn't renew with them the next year. |  |
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| Car insurance claim on 18:49 - Jul 3 with 1210 views | ElephantintheRoom |
You shouldn’t have anything do with the other driver under any circumstances, nor their insurers. - hopefully you photographed the damage at the time - as car repairs under insurance are notoriously inflated. What seems minor to you can soon escalate - and that’s before any legal costs get in on the act.
Your no claims might be protected if you paid for it - which you might not even no about. But you’ll have four years of pain each year you renew. | |
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