What is it exactly that makes you post tripe like this?
DELETED_5350
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What is it exactly that makes you post tripe like this?
Caporegime
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It's possible that your insurer already knows about it and that you merely received a copy of the judgment. Rather than getting old bank statements, phone the solicitor for the third party (if there is one) and ask them if your insurers are dealing.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
You can tell them what you like, they'll ignore you and decide for themselves what action to take.
He's a comedy genius posting about a life of lies in return for epic lulz?
You mean accidents occuring, not claims occuring.
The two choices are accidents occuring or claims made.
No, because you'd have witnesses. You should always get witnesses if there are people nearby. Camera Phones are brilliant also, take photos before anyone moves their car.
If you don't have a witness, and no CCTV or anything to prove otherwise, then you'd probably end up going 50/50 on a claim. This is assuming that a claim was even made in the first place. If a claim isn't made, then PI cannot be claimed out of nowhere a few years down the line.
Ideally, though, you wouldn't even say "sorry". Just ask if everyone is alright, then ask for insurance details and nearby witnesses.
[TW]Fox;12917947 said:
Heh. you obviously have no idea what kind of people work for brokers
I have to tell brokers to do the most menial tasks on a day to day basis, because they miss even the most trivial of information.This morning, a broker phoned up asking for rating information for a motorcycle. I asked him what type of motorcycle, and he said "wait, i didn't ask. i'll call you back."
I'm afraid it isn't. Liabilty is what drives claims entirely. Some insurance companies will even wipe out excesses, given proof of liability.
Royal Fleet said:
And it does make a difference to him. PI claims will remain important for 5 years, affecting his premiums. Depending on the size of the claim also, it will continue to be taken into consideration after that 5 years. Luckily, 3 years of the 5 has already been served with no increase in premium since they didn't know about it. The PI claim *should* be dated from the date of the "accident", and not from the date of the claim.
Soldato
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Would this sort of thing not affect any NCB he may have accrued? If there was no claim at the time of the accident, his NCB would have increased, and now a claim comes in, would it completely wipe out the NCB, or just reduce it to from the time of the accident to now?
Associate
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Depends really if the policy requires an accident to trigger the insuring clause. Theft isn't an accident but could trigger a valid claim. Semantics I agree, but you chose to correct me
The NCB would be knocked from the date of the claim.
Example, accident was 3 years ago, he had 2 years NCB at the time. He currently has 5 years NCB and the claim is made. He would lose his initial 2 years of NCB that he had at the time, but he will still be credited with the 3 years bonus he has gained since then. Leaving him with 3 years NCB today.
Associate
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In theory it should do, but the insurer who covered you at the time would have no record of who you went to, so they would not be able to pursue it.
Also bonus usually works on a step back scale, so one claim would cost you two years, and you would be back to maximum again now.
Not too sure about the whole admitting liability thing, as I understand it, it bares little relevance. The insurers will come to their own opinions as to whose fault it was, and if the other bloke suffered injuries resulting from the OP's negligent driving then he (by the sounds of things) is still within the time frame to bring a personal injury claim.
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its really important to register every piece of paperwork with your local town hall and library, that way you have documentation you can call on in court from a reputable source.
further more have a group of polish men and women (you must have women for it to be believeable) claim you were involved in a meeting of the flesh on the day of the accident, this will cloud the eyes of the jury and probably get you off with involuntary lamb slaughter.
but whatever you dont ask for the the truth, you cant handle it
further more have a group of polish men and women (you must have women for it to be believeable) claim you were involved in a meeting of the flesh on the day of the accident, this will cloud the eyes of the jury and probably get you off with involuntary lamb slaughter.
but whatever you dont ask for the the truth, you cant handle it