Hi,
On Friday I had an accident. It was a low impact collision around 25mph.
I was on a single 30mph c/way minding my own business when the car heading from the other direction suddenly decided to turn right, into an access, in to my path causing the accident. The culprit was a 78yr old man who said he didn't see me because of the glare from the sun.
-------ACCESS------------------
ME- - ->
- - - - - - - - - - - - - - - - - - -
Third Party < - - -
---------------------------------
Anyway, he admitted responsibility on scene and notified his insurer, Churchill, who within an hour phoned me to say they accept liability.
My broker in the meantime arranged for my car to be towed away to a secure location and provide me with a replacement car whilst mine is off the road. My car is still drivable but the front bumper is damaged, bonnet damaged and crumpled, wheel archers damaged and crumpled and smashed head light. Most of the damage on my car is passenger front. and most appears to be just panel damage.
The damage to the other car is passenger front. I hit him on his passenger front where his wheel is.
In the meantime I have a BMW X5 4.0D X-Drive as a replacement car. The car has 24 miles on the clock and is brand new (silver lining and all that).
My broker has passed my case onto a solicitor firm to get my £500 excess back.
Now seeing as this is a non-fault accident and the 3rd party insurer has admitted liability, a few questions:
- Should I continue going through my broker to get the car dropped off to Audi and for them to start the repair work? Basically just deal with my broker till its all sorted.
- Should I go through my insurer to sort it all out? This would mean I have made a claim no?
- Should I go through the solicitor firm?
My car is currently at the recovery firms compound.
Advice please.
PS. I buy my insurance through a broker (TowerGate) but the insurance underwriters are Equity Redstar.
On Friday I had an accident. It was a low impact collision around 25mph.
I was on a single 30mph c/way minding my own business when the car heading from the other direction suddenly decided to turn right, into an access, in to my path causing the accident. The culprit was a 78yr old man who said he didn't see me because of the glare from the sun.
-------ACCESS------------------
ME- - ->
- - - - - - - - - - - - - - - - - - -
Third Party < - - -
---------------------------------
Anyway, he admitted responsibility on scene and notified his insurer, Churchill, who within an hour phoned me to say they accept liability.
My broker in the meantime arranged for my car to be towed away to a secure location and provide me with a replacement car whilst mine is off the road. My car is still drivable but the front bumper is damaged, bonnet damaged and crumpled, wheel archers damaged and crumpled and smashed head light. Most of the damage on my car is passenger front. and most appears to be just panel damage.
The damage to the other car is passenger front. I hit him on his passenger front where his wheel is.
In the meantime I have a BMW X5 4.0D X-Drive as a replacement car. The car has 24 miles on the clock and is brand new (silver lining and all that).
My broker has passed my case onto a solicitor firm to get my £500 excess back.
Now seeing as this is a non-fault accident and the 3rd party insurer has admitted liability, a few questions:
- Should I continue going through my broker to get the car dropped off to Audi and for them to start the repair work? Basically just deal with my broker till its all sorted.
- Should I go through my insurer to sort it all out? This would mean I have made a claim no?
- Should I go through the solicitor firm?
My car is currently at the recovery firms compound.
Advice please.
PS. I buy my insurance through a broker (TowerGate) but the insurance underwriters are Equity Redstar.
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