Accident this morning, any advice pls?

mattyfez

mattyfez

mattyfez

Soldato
Joined
12 Apr 2007
Posts
12,665
Hi,

My car was parked outside my house and was reversed into, driver admitted liability and we exchanged details, took pictures, all very amicable.

Damage to mine is smashed rear light, dents and scratched to rear quarter/door, similar damage to theirs.

Called my insurers who then put me through to a company called Albany, who wanted me to pay a deposit and take out a credit agreement for a hire car.
At this point I cancelled all work and the claim as I am fully comp and have courtesy car cover, I've informed my insurers, Hastings, of the same.

Can anyone advise the best course of action, contact the third parties insurance directly? I don't see why I should have to pay anything toward a hire car, never mind take out a credit agreement as it's stipulated in my policy.

Thanks for any advice.
 
As soon as the other party admit fault then you will be immediately issued a hire car and they will work with your insurer to get your car fixed.
 
The best course of action was the one you abandoned, if you do it through your own policy it will be treated like a fault claim until they recover the costs most likely, which means your courtesy car will be a basic hatchback etc.

You could try contacting his insurance company direct and offer to allow them to handle everything for you.
 
Thanks but confused?
Should I go back to my insurer and pay for a hire car? (I'm fully comp with provision for a courtesy car).

Or approach the 3rd parties insurer?
 
You need to stop thinking about your own policy, that is for when you are at fault. Your hire car cover is not relevant. You are not being asked to pay for a hire car, its just a deposit.

Let the other parties insurer handle it or accept the services of the accident management firm your insurer referred you to.

The third parties insurer will be keen to limit the costs so is usually happy to sort you out direct.
 
You'd be best to try and sort it through the third parties insurance if he's admitted liability to his insurance and they're accepting it. If they try and play silly buggers tell them your insurance will be in contact. This way you have to pay £0 excess.
 
Hastings were useless when I was rear ended, I informed them and they wanted to write the car off without even looking at it due to it being over 10 years old. I only got in touch with them as the 3rd party insurer were also useless.
 
Iamzod said:
Hastings were useless when I was rear ended, I informed them and they wanted to write the car off without even looking at it due to it being over 10 years old. I only got in touch with them as the 3rd party insurer were also useless.
Click to expand...

Yeh, I didn't get a great Impression when I called,

"what's the damage?"
Passenger side boot/bumper, rear quarter and rear door scratched/dented, also smashed tail light.
"is it the front or rear light that's smashed sir"
facepalm

I've called their insurer now, but it's not been reported yet.. hmmm...
 
Sounds like you're already on the right track.

As others have said, your insurance policy is irrelevant, as the accident was not your fault. Inform your insurer, and then have nothing more to do with them.

If at all possible, deal directly with the 3rd party's insurer. You have a right to choose where your car is repaired (so long as the quote is not crazy high). MAKE SURE YOU USE THIS RIGHT. Get your car repaired by your dealer, or by the best independent repair place you can find. Do not send it to the 3rd party insurer's preferred repairer, they will probably do a terrible job.

Do not use an accident management company. They are parasitic companies that make everyone's premiums more expensive. There's also a very real risk that the 3rd party insurer may contest the cost of the hire car that the accident management company give you (which could result in you going to court).

Don't listen to anyone that tells you you "deserve" to have an amazing hire car. It's not worth the stress, or the extra cost on everyone's premiums.
 
Engram said:
Sounds like you're already on the right track.

As others have said, your insurance policy is irrelevant, as the accident was not your fault. Inform your insurer, and then have nothing more to do with them.

If at all possible, deal directly with the 3rd party's insurer. You have a right to choose where your car is repaired (so long as the quote is not crazy high). MAKE SURE YOU USE THIS RIGHT. Get your car repaired by your dealer, or by the best independent repair place you can find. Do not send it to the 3rd party insurer's preferred repairer, they will probably do a terrible job.

Do not use an accident management company. They are parasitic companies that make everyone's premiums more expensive. There's also a very real risk that the 3rd party insurer may contest the cost of the hire car that the accident management company give you (which could result in you going to court).

Don't listen to anyone that tells you you "deserve" to have an amazing hire car. It's not worth the stress, or the extra cost on everyone's premiums.
Click to expand...

Thanks..Not massively bothered about the hire car, a fiesta or whatever is fine as long as it's not a heap.
 
Result! 3rd party insurance is sorting it all, hire car, collection of mine, no need to go through the two bit ambulance chasing ponzi scheme that my insurers were trying to rail road me into!
 
If you're not too fussy about your car, then no worries, I'm sure you'll be ok with the repair.

I'm sure it's not too late to change things though. A dealership is often a good place to start.
 
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