Just something to amuse

[Resident]

No need for advice or owt, just thought I post this as a source of mild amusement because it made me chuckle.

About 9 months ago my cousin tapped someone else's car. Absolute minor damage. He works in an accident repair centre and told the woman that he'd fix it & warranty the repair if they dealt with it privately, would take him 2 days and he'd even spring for a hire car (because he could use one from work cheap). Whole thing would have cost him around £250

Woman refused and insisted on insurance. It all went smoothly and the car even ended up at his work, took 2 days as he said.

Fast-forward to last week when he gets an angry phone call from the woman screaming that her insurance has doubled because of the collision and demanding that he pay 50% towards her insurance costs as it was his fault. He told her that it was her insistence to take it through the insurance not his and to do one.

It just makes me chuckle that there are people out there that stupid & also concerns me that they're given driving licences

 

[throwaway4372]

Is that really how it works? Someone else causes the accident but your insurance goes up?

 

[the wopster]

Is that really how it works? Someone else causes the accident but your insurance goes up?

Yep, I had a non fault accident in November and did a few dummy quotes a few weeks a go and my insurance will go up by about £100. I do think you should be able to claim any rise the next year from the at fault’s insurance company. Get 3 quotes and the 3rd party pays the lowest quote difference, so you can’t get an insurance company taking the ****

 

[Rroff]

Is that really how it works? Someone else causes the accident but your insurance goes up?

Maybe. Depends a bit if it is a fault or non-fault and whether a claim is involved, etc. mine actually went down £50 after someone reversed into my vehicle, though not sure what it'll do next renewal :s ultimately you are supposed to report most instances and it usually results in less potential headaches.

 

[Begbie]

Is that really how it works? Someone else causes the accident but your insurance goes up?

I had a non fault, didn't use my insurance (made them aware) and then they refused to insure me. Insurance went up substantially because of that. Very frustrating, guy ran a stop sign so there wasn't even any sort of defence driving that could've avoided it.

So yes, it does.

 

[Matmulder]

Is that really how it works? Someone else causes the accident but your insurance goes up?

(Apparently) the stats show that people who are involved in accidents - even non-fault - are more likely to be involved in any type of accident.

 

[the wopster]

(Apparently) the stats show that people who are involved in accidents - even non-fault - are more likely to be involved in any type of accident.

That’s absolute BS

 

[Dis86]

That’s absolute BS

Actually it's spot in

"Does declaring a non-fault claim affect my insurance? Yes, unfortunately, it will be recorded on your claims history. In many cases, your premiums will go up after you've declared a non-fault claim. This is because your insurance provider will view you as a higher risk in future, even if it wasn't your fault."9 Mar 2023
https://www.comparethemarket.com › ...

 

[tom_e]

That’s absolute BS

Not really, plenty of instances where it's technically not going to be the drivers fault but could have been avoided if the non fault driver was more aware or had taken an evasive maneuver quicker.

Obviously there are some times like being driven into when parked up in a carpark or something that couldn't be helped by the non fault driver.

 

[Resident]

Is that really how it works? Someone else causes the accident but your insurance goes up?

Mine went up because someone crashed outside my house. Apparently it's safety rating went down even though my car is parked on a driveway

 

[Jamauk]

Fast-forward to last week when he gets an angry phone call from the woman screaming that her insurance has doubled because of the collision and demanding that he pay 50% towards her insurance costs as it was his fault. He told her that it was her insistence to take it through the insurance not his and to do one.

If she continues to call him being aggressive threaten her with harassment. She could end up having to pay out more than the 50% increase in her car insurance if she isn't careful.

Then as there's a lot in the media right now about mental health threaten to go down the mental distress route.

Just make sure times and dates are recorded, if possible get a recording of said calls.

 

[Resident]

If she continues to call him being aggressive threaten her with harassment. She could end up having to pay out more than the 50% increase in her car insurance if she isn't careful.

Then as there's a lot in the media right now about mental health threaten to go down the mental distress route.

Just make sure times and dates are recorded, if possible get a recording of said calls.

Thank you for posting, it's nothing I haven't already said to him. His calls are already recorded by his phone automatically (abusive ex) so everything is already saved however it's just been that one call so far.

 

[Haggisman]

Not really, plenty of instances where it's technically not going to be the drivers fault but could have been avoided if the non fault driver was more aware or had taken an evasive maneuver quicker.

Obviously there are some times like being driven into when parked up in a carpark or something that couldn't be helped by the non fault driver.

This, i'm fact even when parked, where you park can be a contributing factor, e.g. opposite a junction at the bottom of a steep hill, or just around a blind bend. Sure it might be the person driving's fault, but if you hadn't parked like a **** then maybe they wouldn't have hit you...

 

[jpaul]

About 9 months ago my cousin tapped someone else's car. Absolute minor damage. He works in an accident repair centre and told the woman that he'd fix it & warranty the repair if they dealt with it privately, would take him 2 days and he'd even spring for a hire car (because he could use one from work cheap). Whole thing would have cost him around £250

are repairs genuinely private .. like, do body shops/main dealers communicate what reg plates they have repaired/maybe warrantied, which can permeate into central insurance db - maybe GDPR limits spread of such information.

[
premium reducing year following an accident ... well maybe the accident data for your vehicle postcode/countrywide reduced, 3rd party parts availability increased (the usa ruling on tesla right to repair incoming?)
premium loaner - novelty and fuel cost of that soon wears off, probably mates rates for hire car companies.
]

 

[Uther]

It's difficult though really, you are supposed to inform the insurance company, and you do have to trust the person who says they will get it sorted privately. The person who's just driven into your car...

 

[Rroff]

and you do have to trust the person who says they will get it sorted privately. The person who's just driven into your car...

I can't remember exactly how it went now but a now ex-colleague got proper stitched up trying to do it privately.

The short version:

Guy that crashed into him owned a garage
He was a fully qualified mechanic and previously worked as a bodyshop technician
Guy that crashed into him offered him a "well paid" job at his garage where he fixed the other guy's car (so he left us for that job)
Guy then fired him without proper pay once the work was done and before he could fix his car there
Some incident happened (I don't know details) that my ex-colleague ended up in court for

 

[MrRockliffe]

Is that really how it works? Someone else causes the accident but your insurance goes up?

Yeah both my insurance premium and excess has been higher since having a not at fault claim (I.e. didn’t impact my no claims).

Couple of years ago, I was about to renew on a fiesta for £400 a year insurance. I now insure my other half’s fiesta as a main driver, and it’s costing me £600, with an extra year no claims + 2 years driving experience.