Had a little bump

spookywillow

spookywillow

spookywillow

Soldato
Joined
3 Mar 2006
Posts
3,233
Location
Atcham, Shropshire
On the 20th of last month I bumped into the back of another car after they braked sharply due to them nearly missing their turn on a main road. I have an independant witness that I have details for.

Wasn't speeding or anything but I still bumped into the back of them and the bumper of their car unclipped a tiny little bit, no paint damage.

We areed to deal outside of insurance as the repair would only be £4-500 according to her dealership, 2012 car still under warranty and I accepted to pay for it as I could have avoided her etc etc. She called me and told me this on the phone and asked for my email so the dealer could email me the quote which I still haven't recieved

Roll on a week I now have a letter from their insurer asking me to contact my insurers or them to settle myself. I have never been in this situation and the only reason I agreed to deal privately is because my excess would have covered the repairs anyway without increased premiums etc.

What would you guys suggest I do? :confused:
 
Haggisman said:
Contact your insurance as they've requested, and prepare to be shafted.

He wouldn't have gone into the back of them if he wasn't ;)
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That was kind of my point really! If you're driving too close, you should really just suck it up and deal with it through the correct channels. This instance, being insurance.
 
Oh I was going to suck it up, but a £500 repair bill will still be £500 but now with added premium increases from both me and her which I'm guessing she didn't realise would happen being eastern european and all :)
 
Hehe I did check see if she had insurance on the net when I got home ;)

I've never ever had an accident in over 18 years and losing some no claims for something so minor makes me sad lol. I'm usually very good at reading ahead of me mostly for fuel economy but didn't see the little aygo stop.

So do I contact their insurers directly to settle or mine and let them pay it? I'm guessing I have to declare it either way and my premiums are going up regardless of what option I choose?
 
Haggisman said:
I guess if you settle directly, then it wouldn't be a claim as such, and so might not affect your premium as much...
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What? legally you should tell your insurer you've been involved in an accident.

Besides why are you trying to dodge insurance? if you've been driving that long I bet it doesn't cost you much anyway, I'd just ring my own insurer and give the woman your insurance info and let them deal with it.
 
ins0mn1ac said:
What? legally you should tell your insurer you've been involved in an accident.

Besides why are you trying to dodge insurance? if you've been driving that long I bet it doesn't cost you much anyway, I'd just ring my own insurer and give the woman your insurance info and let them deal with it.
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Yes, he still needs to inform them, but if he then pays directly himself rather than claiming, he wont have a claim against him.

His premiums will still increase due to being in an accident, but possibly not as much as if he had made a claim.

I'm surprised at how high his excess is though, mine is less than that and I have less years driving and less no claims...
 
Well I called her insurers, No help at all and no option to settle directly even though the letter I recieved said I could. A quick google on them says they are an awful company.

I'll be contacting my insurers shortly, can't see how she can claim whiplash as I had vitually stopped and the bump was no worse that edging into a car in a parking space, Again insurers can deal with it.

Thanks for the help guys..
 
18 years of driving (assume NCB for all?), one little bump I imagine shouldn't have tooooo much impact on your insurance. like % wise, say it might increase it by 50%... but then like 50% of £100 takes you to £150, so still nothing reallllyyyyy :p

*disclaimer - this post is full of assumptions and randomly generated numbers*

so don't think your insurance will go up too much :)


she's a skank and a ***** if she tries to claim wippo from something like that. :mad: the witness should help state the insignificance of the impact to nullify wippo claims.
 
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Insurers contacted, all done and dusted. They had contacted their insurers just days after sorting out the repairs at their dealers with me....Garage will be in touch to fix my car soon and i'll everntually find out how much the claim is I suppose.

It's not so much the fact that my insurance will increase but more of a hurt pride and a dent in my impeccable driving history :D
 
spookywillow said:
Insurers contacted, all done and dusted. They had contacted their insurers just days after sorting out the repairs at their dealers with me....Garage will be in touch to fix my car soon and i'll everntually find out how much the claim is I suppose.

It's not so much the fact that my insurance will increase but more of a hurt pride and a dent in my impeccable driving history :D
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xD ahhh I know what you mean! I was driving for 8 years I think (only 1 NCB as was a named driver for pretty much all of that xD ) and then a woman on a school run drove into the back of me :( so that's the "no accidents" trophy out the window....so now I'm going on "look.... NO POINTS" xD *touches wood* hopefully will remain that way too :)

Haggisman said:
might be cutting it a bit fine with the mods there :p
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:p hummmmm pretty sure skank is fine :p changed other word just incase, thanks :D

(should just be like YOLO, do you even ban? come at me MODS! fight me at LAN bro!!!! lol ......just don't send 8pac o.O )
 
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