Crashed into the back of

pioneer2000 · 17 Jun 2018 at 12:23

Not had to deal with this before, I assume I must notify my insurance (Aviva) despite it not being my fault?

Should I be concerned that my NCD will be affected (unprotected) despite this presumably going through their insurance?

Can I demand that it is only repaired through Mercedes direct?

I imagine my insurance is going to increase despite it having nothing to do with me? (I was stationary at a roundabout).

Thanks all!

Gaygle · 17 Jun 2018 at 12:30

pioneer2000 said:
Not had to deal with this before, I assume I must notify my insurance (Aviva) despite it not being my fault?

Yep it's a good idea. Just a notification and tell them you're pursuing it through their insurance directly.

pioneer2000 said:
Should I be concerned that my NCD will be affected (unprotected) despite this presumably going through their insurance?

NCD should be unaffected if all goes to plan

pioneer2000 said:
Can I demand that it is only repaired through Mercedes direct?

Yeah I think so. I did when someone dented my wing and BMW did it.

pioneer2000 said:
I imagine my insurance is going to increase despite it having nothing to do with me? (I was stationary at a roundabout).

Unfortunately it's very possible that it will increase. Most of the larger insurers seem to hike your premium up by varying degrees even if it isn't your fault.

andicole0 · 17 Jun 2018 at 12:32

Yes tell your insurance company and let them deal with all the third party stuff, it is what they are paid for. Don't talk to anyone else. The only time you want to get involved is if any blame is pointed in your direction. Yes you can ask for the repair to be done only by Mercedes but it may well end up at a Mercedes approved repairer. Your NCD should stay intact as you are not making a claim. Sadly though your premium will increase as it seems once you've been involved in one accident you are more likely to have another.
Andi.

[TW]Fox · 17 Jun 2018 at 13:16

andicole0 said:
Yes tell your insurance company and let them deal with all the third party stuff, it is what they are paid for. Don't talk to anyone else.

I personally think this is bad advice - if you go through your own insurer they will at first treat it like a fault claim* until such time as they have made a recovery - which means a crap courtesy car, hassle with approved repairers, etc. You also lose your NCB until such time as the claim is fully settled in your favour.

When this happened to me a few years back the third party insurer dealt with everything - they provided an equivalent car to mine, paid for the repairs at the BMW main dealer and made the entire thing as seamless as possible. All I had to do with my own insurer was simply advise them of the incident as per the terms of the policy.

Third party insurers are very proactive with this sort of thing - if its clear the third party is at fault they usually want to help you because if they are in control they can control the costs.

*Unless they farm it off to an accident manage co in which case you could have just done that yourself anyway?

Nasher · 17 Jun 2018 at 13:21

I think if you use a good insurer, go through them. I'd rather use mine than someone like Admiral, because the terms are much better. They will even replace aftermarket parts etc.

Gaygle · 17 Jun 2018 at 14:09

[TW]Fox said:
When this happened to me a few years back the third party insurer dealt with everything - they provided an equivalent car to mine, paid for the repairs at the BMW main dealer and made the entire thing as seamless as possible. All I had to do with my own insurer was simply advise them of the incident as per the terms of the policy.

This was my experience also. Leave your insurance out it completely unless you absolutely have to get them involved.

Hades · 17 Jun 2018 at 14:24

I see that you are in Essex. I can highly recommend Brian Shiltons for repair work. I always get my work done there even though I now live in Surrey. I believe they are Mercedes approved. My brother used to work at a Mercedes garage and they had the contract for body work. I have used them on and off for about 25 years.

http://shiltonaccidentrepair.co.uk

Tell them Adrian with the Corrado recommended them

Haze · 17 Jun 2018 at 14:34

[TW]Fox said:
I personally think this is bad advice - if you go through your own insurer they will at first treat it like a fault claim* until such time as they have made a recovery - which means a crap courtesy car, hassle with approved repairers, etc. You also lose your NCB until such time as the claim is fully settled in your favour.

When this happened to me a few years back the third party insurer dealt with everything - they provided an equivalent car to mine, paid for the repairs at the BMW main dealer and made the entire thing as seamless as possible. All I had to do with my own insurer was simply advise them of the incident as per the terms of the policy.

Third party insurers are very proactive with this sort of thing - if its clear the third party is at fault they usually want to help you because if they are in control they can control the costs.

*Unless they farm it off to an accident manage co in which case you could have just done that yourself anyway?

You have to tell your insurance company, it will invalidate your insurance, if they want to be funny about it. You only need to inform them, dont need to start the claim process or anything

Jez · 17 Jun 2018 at 14:42

Haze said:
You have to tell your insurance company, it will invalidate your insurance, if they want to be funny about it. You only need to inform them, dont need to start the claim process or anything

Did you not read the post which you quoted?

Dav4 · 17 Jun 2018 at 15:17

Have you got whiplash op? Using an Accident management company or going straight to the other persons insurance is better and means apart from notifying your insurers they won’t have to do anything else.

andicole0 · 17 Jun 2018 at 15:49

[TW]Fox said:
I personally think this is bad advice - if you go through your own insurer they will at first treat it like a fault claim* until such time as they have made a recovery - which means a crap courtesy car, hassle with approved repairers, etc. You also lose your NCB until such time as the claim is fully settled in your favour.

SNIP

You may find it is a requirement of the policy that you inform them, you can of course delete the word CLAIM from any documents they ask from you.
If the third party starts getting stroppy, claiming you reversed into them for example you really do need the assistance you paid for.
Andi.

[TW]Fox · 17 Jun 2018 at 15:52

andicole0 said:
You may find it is a requirement of the policy that you inform them

Yes, hence I said ' All I had to do with my own insurer was simply advise them of the incident as per the terms of the policy.'.

If the third party starts getting stroppy, claiming you reversed into them for example you really do need the assistance you paid for.
Andi.

If the third party insurer is working with you then its likely they've already sorted the liability issue. If it becomes an issue your insurer is still there if you need them as you informed them correctly at the time.

wedrum · 17 Jun 2018 at 15:54

Your screwed either way. Even none fault claims still go against you.

Quartz · 17 Jun 2018 at 17:45

andicole0 said:
You may find it is a requirement of the policy that you inform them, you can of course delete the word CLAIM from any documents they ask from you.

IIRC the usual manner is to report the incident but 'you are not at this point making a claim but reserve the right to do so later'.

pioneer2000 · 17 Jun 2018 at 19:36

Thanks all, reported to Aviva for information only and will have to go ahead with them / their insurance now.

Liquidfox · 18 Jun 2018 at 13:58

Nasher said:
I think if you use a good insurer, go through them. I'd rather use mine than someone like Admiral, because the terms are much better. They will even replace aftermarket parts etc.

Any third party insurer would have to replace the aftermarket parts like-for-like, it's only when you're making a claim against your own policy that this isn't always the case.

ShiWarrior · 18 Jun 2018 at 20:47

pioneer2000 said:
Not had to deal with this before, I assume I must notify my insurance (Aviva) despite it not being my fault?

i think you are required to contact your insurance company in any event of an accident