Forget everything else on this thread and do this first. If they do respond make sure you stress you want the damage fixed and don’t take any money if offered.
Would you bother reporting a smashed/scuffed mirror?
- Thread starter Tinders
- Start date
Forget everything else on this thread and do this first. If they do respond make sure you stress you want the damage fixed and don’t take any money if offered.
Any damage is supposed to be reported as well, even very minor things. But no one does if they fix it themselves, because your only robbing yourself with higher premiums for the next X years.
I slightly scratched and dented the front wing of an old Punto whilst delivering to a Royal Mail sorting office in my HGV, the damage was negligible to say the least.
My employer advised me that I didn’t need to declare it (!) but my insurer said that I did....
Erring on the side of caution and honesty I duly declared it (the claim was £2500!) apparently it’s common for drivers involved in claims with employment such as truck or bus driving to not declare any accidents only for it to then be found out in the event of a future claim which then means their insurance is invalidated due to failing to declare a claim.
Ultimately it’s the actions of the driver they need to know about not just what they have done in their own vehicle.
Exactly this. Surely someone down the line will need the car handing back in the same condition you took it over? You don't want a bill several months down the line for something you can rectify now and which wasn't your fault?
If it's a garage there may be no need to involve the insurers for the small amount of damage. Ring them up, explain what happened and that you have cctv footage and that you just want the car back in the same condition before their guy clipped it, if they don't play ball, then report it (although i am sure they will want to resolve it amicably).
I would ring the guy or his business and ask him to pay for the damage.
No need to faf around with insurance if you have proof he was responsible and his contact details
Are you a different person when driving your bus? No. So why is it odd? If you murder someone at work it still counts when you go home.
Soldato
- Joined
- 27 Mar 2013
- Posts
- 9,455
Not Quite the same. My example of a bus was to exagerate the differences. If you happen to drive a small car how is that comparable? You might have hit something with the overhang on the bus, something that wouldn't happen on a car. I'm not being obtuse I just don't agree with it. If it's not related I don't see why it should count, Id have thought that the bus company would have generic policy that covers practically anyone with no difference in price. I realise I'm going a bit OT now.
You are being insured as a driver. Everything you do as a driver counts towards your history and your risk level. You sound like the mad woman who worked with me who thought that points incurred on business would be transferred to the company as they weren't her problem whilst driving on business.
are there UK companies that explicitly only want fault accidents declared ?
(in the case that came up here before, where someone parks their car bloody mindedly, somewhere where it gets repeatedly hit when the roads are slippery, the companies need to know)
even if there is not an ALL insurer accident database, cross referencing names against accidents, the company insurer (do you know their identity) and the other parties insurer will both have your name, in 'perpetuity', in their databases to cross-check if you made subsequent claims ?
(if you fill in a new application without declaring an accident what checks do they make before accepting that, do they even check you are not in their own database .. or only if you made a claim )
Soldato
- Joined
- 27 Mar 2013
- Posts
- 9,455
I'm not that crazy lol. I just thought that 2 very different types of vehicles shouldn't be counted together.
So here's the best part.
Following an accident, she called our insurer to state that she (Jane Doe the company employee) had crashed into a garden wall.
They asked who the third party was, she stated that it was also she (Jane Doe the human being)
They asked her to clarify, she explained that she had crashed her company car into her own wall, damaging both car and wall. She was now looking for her employer to replace the garden wall as it was their fault. This crash was apparently not her fault (as Jane Doe the human), it was the fault of Jane Doe the company employee, who could not be classed as the same person.
I would love to hear the verdict on this from an insurer, but I can tell you what our insurers said, and it wasn't "Yes madam, that's fine"
Soldato
- Joined
- 27 Mar 2013
- Posts
- 9,455
She sounds very 'special' i'm sure shes a valuable employeeSo here's the best part.
Following an accident, she called our insurer to state that she (Jane Doe the company employee) had crashed into a garden wall.
They asked who the third party was, she stated that it was also she (Jane Doe the human being)
They asked her to clarify, she explained that she had crashed her company car into her own wall, damaging both car and wall. She was now looking for her employer to replace the garden wall as it was their fault. This crash was apparently not her fault (as Jane Doe the human), it was the fault of Jane Doe the company employee, who could not be classed as the same person.
I would love to hear the verdict on this from an insurer, but I can tell you what our insurers said, and it wasn't "Yes madam, that's fine"
. Did she think she wouldn't have to pay any excess or something?
Soldato
- Joined
- 30 Oct 2008
- Posts
- 3,148
- Location
- South
Definitely phone the company stating that your car has been damaged and you have the incident on cctv. Politely yet firmly advise that you'd like to know how they wish to proceed. If they are a half decent bunch they will offer to have it repaired for you.
This!
I was once stationary at a traffic light on the nearside lane, bus on the outside lane. Light goes green, pedestrians still crossing (London style) and the bus starts moving... through the small gap between them lol.
In the process I see him getting closer and closer cutting the lanes, I still can't move because of the pedestrians. I anticipate the impact turn my wheels all the way right whilst stationary - he clips my mirror and the bulk of the impact is in my driver side front wheel. Minor kerb mark for me, massive 6ft long dent on the side of the bus for him. We stop, I tell him I don't mind - let him be on his way, but insists on exchanging details.
I then call my insurance company in good faith to tell them there's no damage to my car, but a bus drove into me while stationary. Thank you very much, etc. For three years I end up paying 50% inflated premiums becauuse "I was involved in an accident". No claim, no fault, whilst stationary, counts as "notification only". So do windscreen changes, for most insurance companies.
Your premium will go up, they don't care the car was parked. There is some logic I guess, as if you'd park in a risky place - around a tight corner or at the bottom of a hill that always gets icy.
But you'll be most likely end up paying more (oddly enough, some people don't even after a fault accident) because of it.
- Joined
- 14 Jun 2004
- Posts
- 17,557
- Location
- Newcastle U/T
Were you double parked?
Does my head in here, even after school run times there's always some plums parked stupidly.
I've had a number of couriers fuming at me because they can get their vans down the street haha
A street not so far from me that has the same problem has just been double yellowed on one side
Waiting with baited breath to see if theyre gonna do anythign here.
If not then as above Id phone the company, a replacement mirror casing should only be maybe 30/40 quid
Does my head in here, even after school run times there's always some plums parked stupidly.
I've had a number of couriers fuming at me because they can get their vans down the street haha
A street not so far from me that has the same problem has just been double yellowed on one side
Waiting with baited breath to see if theyre gonna do anythign here.
If not then as above Id phone the company, a replacement mirror casing should only be maybe 30/40 quid