Annoyed :(
- Thread starter Simon
- Start date
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Simon said:
The following is my opinion only and to the best of my knowledge. No warranty is implied or given, and you should always seek professional legal advice.
You pay for insurance to idemnify you against third party risks which you may be unwilling - or unable - to fund yourself. Just becuase you have done this does not mean you are waiving your right to meet a claim yourself. You do not have to pass it onto your insurer (Although you DO need to inform them of the accident) for handling, and you are entitled to meet the costs of his claim yourself.
I would call his insurance company and explain to them you are the third party involved and you would like to meet the costs of the claim, if they are able to provide you with an estimate of the costs. You may well fund the cost of the claim is beyond what you are expecting - but it still gives you a chance.
You can then pass it onto your insurers if you decide the bill is too hefty. You also usually have the choice of reimbursing your insurer for the cost of his claim if your insurance company pays out. You lose no claims bonus not for making a claim, but for making a claim where your insurer does not recover their costs in full.
Remember, a claim is NOT the end of the world. Despite a claim @ 22, I can still insure my car and it isn't costing me an absolute fortune either. I know yours is Group 20 and mine is Group 17, but I was 22 and you are 25. To my knowledge, you will lose TWO years No Claims but retain 1 year.
Go and do some quotes now for you, on your car, with a claim, and 1 years NCB. See what they are like. Then make your decision. I would be VERY suprised if the cost of paying for this guy yourself will be lower than the cost of making a claim.
And of course, if you do this your insurance company, you can get your car fixed up as good as new for the cost of your excess. Fresh paint is always good.
Cheers makes sense, I fear I will lose all NCB though.
I need to ring them after work, I can fix mine up myself quite easily I hope. I guess I need to decide before then as I can't change my mind later and decide to claim on my insurance and add my cars damage to the claim ?
So will I need to decide what to do before I ring?
Good idea on the insurace. The problem is I can't get decent quotes online and I have to ring up.
I need to ring them after work, I can fix mine up myself quite easily I hope. I guess I need to decide before then as I can't change my mind later and decide to claim on my insurance and add my cars damage to the claim ?
So will I need to decide what to do before I ring?
Good idea on the insurace. The problem is I can't get decent quotes online and I have to ring up.
Soldato
- Joined
- 13 Jan 2004
- Posts
- 12,810
- Location
- Leicestershire
[TW]Fox said:
he will lose all his noclaims.... he's not protected, and his claim is included in his current year. so at the end of this years insurance he will not get one years no claims.
Simon said:Ah yeah - Why on earth didn't I think of that before. Cheers
Let us know how you get on. Fox has also posted some good advice so that's well worth a read.
Failing that, give the s2000 to me, and I'll swap my VRS for it
Soldato
- Joined
- 13 Jan 2004
- Posts
- 12,810
- Location
- Leicestershire
hehe i just used confused.com for an insurance quote, just for me out of interest...
£2000.... farrrkkkk... thats with 4yrs no claims @ 26.
£2000.... farrrkkkk... thats with 4yrs no claims @ 26.
Simon said:
Check your policy details, or ask your insurer. Many operate on a sliding scale - 1 claim = a certain amount of NCB lost IRRESPECTIVE of whether you have protected no claims. Protected noclaims protects ALL your NCB.
Provided you have notified your insurer of the accident (Do it - seriously - becuase now the other parties insurer knows about it it'll go on the claims database and they stand a chance of finding out anyway) I *believe* (but dont quote me) that you can at any time change your mind and pass it to them, and claim for your costs. What you wont be able to do is claim for money youve already spent fixing your car.
[TW]Fox said:As you have the benefit of actually knownig what you are talking about
Mate, I just don't have time atm to read everyone's comments but I've said Si really needs to report it to insurers for safety.
I was a passenger in a Nova SR covering ground at a reasonable pace. We came up behind a Rover 200 trundling along and as soon as he saw us in the mirrors he did an emergency stop and threw his car almost into the hedge... on an Urban Clearway.Dogbreath said:A couple of years back on a B road I overtook a couple of cars and pulled in behind an old Escort van, with plenty of space to spare. However, the cretinous old bint driving the van was so engrossed in observing my antics through the rear view mirror that she promptly steered into the hedge, and then had the audactity to blame me for it
Bell ends, the lot of them.
Caporegime
- Joined
- 18 Oct 2002
- Posts
- 31,239
Take it from someone who knows m8, S2000+No NCB = MegaDeth! 
Soldato
- Joined
- 23 Oct 2002
- Posts
- 2,562
- Location
- Edinburgh/Southampton
Sorry to hear of the accident Simon - but I can almost totally guarantee that from the insurance point of view it will go down as being your fault. I too would be slightly annoyed at the situation, but I don't think you can get annoyed at the Jazz driver.
I would imagine that the insurer of the Jazz will insist on claiming against your policy. One no fault accident usually reduces the NCB by a maximum of 2 years. Is the 3 year figure what you had last time or what you are expecting when you renew? If you currently have 3 years, and would expect 4 years without a claim when you come to renew, 4-2 is 2 years, so you may actually find even with one claim you still have a 2 year NCB when you renew. Check with your insurance company. I hope you have notified them.
I was involved in an accident that was my fault and I was amazed at how helpful they were. You pay a lot for your premiums and they are there to indemnify you in the event of an accident!
If the damage to your car is less than the excess on your policy then you are better off fixing it yourself, because no matter what third party claims are made against you there will usually be no excess to pay.
I would imagine that the insurer of the Jazz will insist on claiming against your policy. One no fault accident usually reduces the NCB by a maximum of 2 years. Is the 3 year figure what you had last time or what you are expecting when you renew? If you currently have 3 years, and would expect 4 years without a claim when you come to renew, 4-2 is 2 years, so you may actually find even with one claim you still have a 2 year NCB when you renew. Check with your insurance company. I hope you have notified them.
I was involved in an accident that was my fault and I was amazed at how helpful they were. You pay a lot for your premiums and they are there to indemnify you in the event of an accident!
If the damage to your car is less than the excess on your policy then you are better off fixing it yourself, because no matter what third party claims are made against you there will usually be no excess to pay.
Gutted seeing your car like that Simon. Hey, it may have been a bit of a misjudgement on your part but people that panic when being overtaken really *** me off TBH, they are worse (and more dangerous) than the headlight flashing brigade.
Hope it gets sorted without too much hastle mate
Hope it gets sorted without too much hastle mate
Last edited:
I've been caught out like this myself. I'm going along doing 55 in a 60, van safely behind me and an HGV coming the other way. In my mirror I see a Nissan Sunny GTi overtake the van. If he slotted in behind me then he would have been very close and with my kids in the car, I'd consider this dangerous. I also think the van driver closed the gap slightly to make it hard for him too. Not clever but I guess he thought the guy was a plonker for attempting it too. What do I do? Boot it to give him space? Slow down to let him pass me [assuming he is]? Maintain speed and just hope he knows what he's doing and doesn't cause a wreck?DreXeL said:
As it happened I maintained speed until I saw he commited to overtake me then I slowed to let him pass with very little room to spare.
Now, I'm a generally grumpy, impatient sort of guy and this seriously angered me. Had I caught up with him I'd have lost my temper. Same with this Simon guy. Had he done that to me, he'd be flattened. How anyone has sympathy for such an arrogant display of driving is beyond me.
When overtaking with what is typically a small window of opportunity [subjective I know and relative to speed, performance etc] you are forcing people around you to adopt your judgements and timings which just isn't on. I too get peeved at people doing 30-40 in a 60 and I overtake plenty myself but please get a grip on the situation here.
When mistakes are made [we all do it], a lesson is learned. Let's hope so.