Admit Fault = Void Insurance?

LiE · 12 Aug 2010 at 17:45

If you admit you are 100% at fault in a car accident will this void your insurance? I was informed that on some policies this is the case? Cheers

AtticusFinch · 12 Aug 2010 at 17:48

Read your policy and it will tell you.

Peerzy · 12 Aug 2010 at 17:48

LiE said:
If you admit you are 100% at fault in a car accident will this void your insurance? I was informed that on some policies this is the case? Cheers

I think you are not suppose to say anything apart from give your insurance and contact details and the insurance company are suppose to act on your behalf.

Admitting liability when you know sod all on road traffic law means you give the insurance company little option but to simply pay out - something they won't want to do.

LiE · 12 Aug 2010 at 17:54

Basically my brother just had an accident. It's his first year of driving and he's taken a roundabout too fast and hit 2 cars in the process.

[TW]Fox · 12 Aug 2010 at 18:01

Your insurance company tells you not to admit liability.

I cannot imagine a court in the land accepting that an insurer was right to void a policy after you admitted liability for a blatant fault claim.

Dolph · 12 Aug 2010 at 18:05

[TW]Fox;17145451 said:
Your insurance company tells you not to admit liability.

I cannot imagine a court in the land accepting that an insurer was right to void a policy after you admitted liability for a blatant fault claim.

No, but they could (and have) accepted that an insurer was right to void a policy after you admitted fault for something that actually wasn't... which is where the confusion comes from, and where the instruction not to admit liability comes from.

[TW]Fox · 12 Aug 2010 at 18:10

Dolph said:
No, but they could (and have) accepted that an insurer was right to void a policy after you admitted fault for something that actually wasn't... which is where the confusion comes from, and where the instruction not to admit liability comes from.

Absolutely, by this doesn't seem like the case for the OP.

matthab · 12 Aug 2010 at 18:11

LiE said:
Basically my brother just had an accident. It's his first year of driving and he's taken a roundabout too fast and hit 2 cars in the process.

Well done

LiE · 12 Aug 2010 at 18:15

[TW]Fox;17145451 said:
Your insurance company tells you not to admit liability.

I cannot imagine a court in the land accepting that an insurer was right to void a policy after you admitted liability for a blatant fault claim.

So in this instance it's best for him to admit fault or simply inform his insurer and let them decide?

matthab said:
Well done

I know, he's a complete idiot.

[TW]Fox · 12 Aug 2010 at 18:15

Just inform his insurer and let them decide.

LiE · 12 Aug 2010 at 18:30

Thanks, I've passed on the advice.

Hopefully he will learn from this, his excess and increased premiums are going to rape him.

DM · 12 Aug 2010 at 18:34

Even if he has admitted it at the time it means nothing, he was obviously in shock after the accident.

Mr Jack · 12 Aug 2010 at 19:07

Tell the insurer you* admit fault, it'll make things smoother.

* - oh, sorry, your brother.

LiE · 12 Aug 2010 at 20:07

Mr Jack said:
Tell the insurer you* admit fault, it'll make things smoother.

* - oh, sorry, your brother.

The majority of the people in this thread seem to suggest against this? I've told my brother to report the accident and give details and let the rest be taken care of.

Not sure why 'your brother' is highlighted?

Mucky_Pup · 12 Aug 2010 at 20:10

So you want your brother to try and stiff two other people out of their no claims for an accident he caused?

LiE · 12 Aug 2010 at 20:11

Have you read the thread? By giving a truthful account of the incident the insurers will take care of the rest.

Andrew Moore · 12 Aug 2010 at 20:17

LiE said:
Basically my brother just had an accident. It's his first year of driving and he's taken a roundabout too fast and hit 2 cars in the process.

He was on the roundabout first therefore speeding or not he is not fully to blame. The other partys should be watching from the right, thats pretty much all you have to do bar the odd look to the left to ensure some idiot is about to pull out into the side of you.

Andy

LiE · 12 Aug 2010 at 20:41

Sorry should have been more clear. He entered a roundabout too fast.

SGWills · 12 Aug 2010 at 20:45

general conditions of most insurance companies advise that they have the right to stop the insurance if you admit liability at the scene of a bump, just give you name, number is optional, your insurance company and leave them deal with it, the reason they tell you not to admit anything is that as mention if someone is in shock and they say it was their fault then the insurance company *depending on other information independant witnesses etc* dont have much choice but to pay out

Slime101 · 12 Aug 2010 at 20:53

Doesnt matter if you admit liability or not, insurance companies primary blanket answer is "not our clients fault" regardless of how clear cut it is or what was said at the scene.