Insurance claim advice...

Robbo

Robbo

Robbo

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Joined
2 Jan 2009
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Unfortunately my unattended car was hit today in the work car park, the woman has admitted full liability and given me her insurance details etc. The damage isn't major but it's scraped the front wing and driver's door.

What's the best plan here, do I just contact her insurer directly and raise it with them? If this route is suitable, will I need to declare it in future?

I know this has been discussed here recently so I just wanted to see what people advise.
 
You'll always need to declare it nevermind which route you choose. Personally I'd just call my insurance and let them deal with it, it's what they rob me for every year.
 
Contact her insurer and they will advise you.

It will go on your records as a no-fault claim against someone else's insurance. This might affect your premium (because it shows the way you use your car is higher risk, even though it's not your driving at fault).
 
Contact your insurance not theirs. Tell them they admitted fault, give them the details she gave you, and let them deal with it.
 
Just to update, I was on the fence what to do, but:

I approached her insurer (who I would consider superior to my own insurer), and they were more than happy to help. They contacted her and she admitted full liability.

They are happy to repair everything and provide a like-for-like hire car for the duration. They wanted me to use their 'approved' repairer, but I declined and am using one of my own choosing.

I've notified my insurer who have logged it as an incident, but not a claim. Quite how this differs to a non-fault claim in terms of future cost remains to be seen...
 
Robbo said:
I've notified my insurer who have logged it as an incident, but not a claim. Quite how this differs to a non-fault claim in terms of future cost remains to be seen...
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It doesn’t, it’s the same thing. When you apply for new insurance, they will ask you if you have had an accident in the last “x” years whether it was your fault or not. Then it typically asks if it was a fault or non fault. Some insurance companies don’t increase premiums for non fault and some do, I’ve found.
 
Robbo said:
I've notified my insurer who have logged it as an incident, but not a claim. Quite how this differs to a non-fault claim in terms of future cost remains to be seen...
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I would imagine their difference between an incident and a non-fault claim is that with an incident you aren't claiming on your own insurance, whereas with a non-fault claim you are, e.g. you get hit by an uninsured driver.
 
Bear said:
Some insurance companies don’t increase premiums for non fault and some do, I’ve found.
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Same here, someone wrote my car off, so I bought the same car again, and upon renewal, it went down again. Whether it would have gone down more, who knows, but it certainly didn't go up.
 
Deleted member 280263 said:
Same here, someone wrote my car off, so I bought the same car again, and upon renewal, it went down again. Whether it would have gone down more, who knows, but it certainly didn't go up.
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The only reason I found out that some insurance companies companies don’t charge for non fault claims was when my E class was stoved in by a drunk driver causing over £14k of damage. I claimed on my insurance and they recovered full costs off the third party so I maintained my no claims

When it came to renewal I stuck with them as they were really good to deal with. When they asked about any changes in circumstances like an accident etc. I said only the non fault smash the drunk driver did to my car which they dealt with and they said don’t worry we don’t charge for non fault claims.

Found the old thread https://forums.overclockers.co.uk/threads/car-hit-by-drunk-driver.18874497/
 
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Bear said:
The only reason I found out that some insurance companies companies don’t charge for non fault claims was when my E class was stoved in by a drunk driver causing over £14k of damage. I claimed on my insurance and they recovered full costs off the third party so I maintained my no claims

When it came to renewal I stuck with them as they were really good to deal with. When they asked about any changes in circumstances like an accident etc. I said only the non fault smash the drunk driver did to my car which they dealt with and they said don’t worry we don’t charge for non fault claims.

Found the old thread https://forums.overclockers.co.uk/threads/car-hit-by-drunk-driver.18874497/
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Nice, did you replace it with another of the same car/model? Like I did?
As you say though, it's dependent on the insurer, unfortunately. But once you're with someone good, you stick with them, so swings and roundabouts I guess :)
 
Deleted member 280263 said:
Nice, did you replace it with another of the same car/model? Like I did?
As you say though, it's dependent on the insurer, unfortunately. But once you're with someone good, you stick with them, so swings and roundabouts I guess :)
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It was repaired, but I ended up replacing it with an E63S. I then replaced the E63S with an F90 M5 which was written off by another drunk driver last year :rolleyes: I don’t have much luck with people ploughing into my car when it’s parked up.

Sorry Robbo for taking it off topic.
 
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presumably still have to pass the quote (several ?) by her insurance even if you elect your own garage.

[on insurance renewals I can see the AI model following written off , plays the long game, we'll keep them as clients by not hiking renewal, which competitors would ]
 
Always best to claim on their insurer as you don't have an agreement with them, so they can't try and shaft you with smallprint.
 
Nasher said:
Always best to claim on their insurer as you don't have an agreement with them, so they can't try and shaft you with smallprint.
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In my experience, it’s best claiming on your own insurance because things tended to happen much faster with less faff.
 
Unfortunately as mentioned above, your premiums may go up come renewal time,
Cant remember where I saw it, but i'm sure they consider you more at risk of having an accident so some such BS they come up with.
Glad to hear its getting sorted, and you were right to claim from her insurer.
 
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