User Tag List

Thanks Thanks:  0
Likes Likes:  0
Results 1 to 8 of 8

Thread: Car accident- Advise please

  1. #1
    Regular Member
    Join Date
    Jan 2010
    Location
    Manchester
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats

    Vehicle : Vectra

    Trim : 1.9 cdti

    Engine : 120

    Year : 06

    Default Car accident- Advise please

    On the way to work this mo had an accident (1st time ever). hit another car that braked for an oncoming ambulance from the rear. No serious damage to my car (just scratches) but bumper of the other car was slightly out of place (possibly needs taking off and fitting back in place). No other damage to both cars as far as we both checked. I have offered to get it fitted at my expense without involving the insurance. I guess the other driver will have informed their insurer. Haven't informed mine yet.
    Still waiting for a call from the other driver to give me quote from garage for the damage.
    Question is if we get it sorted without involving insurers, will this affect my NCB and should I expect an increase in premium?
    Advise please.

  2. #2
    Regular Member kns's Avatar
    Join Date
    Nov 2006
    Location
    Northampton
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    Quote Originally Posted by 123rado View Post
    On the way to work this mo had an accident (1st time ever). hit another car that braked for an oncoming ambulance from the rear. No serious damage to my car (just scratches) but bumper of the other car was slightly out of place (possibly needs taking off and fitting back in place). No other damage to both cars as far as we both checked. I have offered to get it fitted at my expense without involving the insurance. I guess the other driver will have informed their insurer. Haven't informed mine yet.
    Still waiting for a call from the other driver to give me quote from garage for the damage.
    Question is if we get it sorted without involving insurers, will this affect my NCB and should I expect an increase in premium?
    Advise please.
    Only if you inform your insurance but be warned even if you dont go through your insurance your premium next year will go up.
    As for NCB No you wont loose any

  3. #3
    Full Member neverlandandy's Avatar
    Join Date
    Sep 2006
    Location
    lanark
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    4 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats

    Vehicle : Insignia Elite Nav

    Trim : Elite

    Engine : 2.0 cdti

    Year : 2012

    Mileage : 9k

    Default

    suppose that depends on your insurer i had a similar thing two years ago someone hit me (not my fault ) they offered to fix the car which they duly did but i notified the insurance just out of courtesy so all went well .......until my renewal came in and my premium had shot up the reason being i had a claim in the system which could have resulted in a claim against me even though no claim was ever made by me or the other driver ..so if it ever happens again and the other driver pays up i will not be telling the insurance a damm thing
    the company was admiral who i'm glad to say i'm no longer with

  4. #4
    Regular Member
    Join Date
    Jan 2010
    Location
    Manchester
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats

    Vehicle : Vectra

    Trim : 1.9 cdti

    Engine : 120

    Year : 06

    Default

    Quote Originally Posted by kns View Post
    Only if you inform your insurance but be warned even if you dont go through your insurance your premium next year will go up.
    As for NCB No you wont loose any
    Other driver just sent a text now. Not interested in my offer to pay for repairs. Want to take it thru insurance. Think I 've just lost the NCB haha and premium defo will go up. Time to call my insurer then.Got an insurance excess of £500.
    Last edited by 123rado; 2nd July 2010 at 15:21.

  5. #5
    Regular Member kentish_bloke's Avatar
    Join Date
    Mar 2008
    Location
    Sittingbourne, Kent
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats

    Vehicle : Insignia

    Trim : Elite

    Engine : 1.8 VVT

    Year : 2009

    Mileage : 42800

    Default

    I had a claim last year due to my parked car 'allegedly' rolling into the back end of another parked car on a hill. Unfortunately, i didn't turn the wheels in towards the kerb.

    Anyway, there was absolutely no damage to the front of my car, which was buried in the rear bumper of the other car. assessor came and looked at mine & checked the handbrake, which he deemed to be fine.

    In the end, after dragging on for about 3 or 4 months, i had a letter from my insurers saying they had paid out in full for the claim. This meant that i then lost 2 years no claims, but didn't have to pay any excess as i was told that was only if i had any repairs to my car.

    When my renewal came through it was around £470, but, after calling Chris Knott, got a comparable policy for just over £300, with all mods & the claim declared. My previous insurer was Admiral, need i say more!

    I shall also be making sure i protect my no claims in the future.

  6. #6
    Regular Member Derek Mc's Avatar
    Join Date
    May 2010
    Location
    Sodding Typical on Sea
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    In general terms if you hit a car from the rear then you are to blame however when my wife was hit a couple of years ago the person who ran into her made up a mythological tale of mystery that bore no relation to the fact nor truth and despite the old rule, managed to reduce the claim to a knock for knock.

    So, try to demonstrate that the car in front had no need to stop for either safety or provide highway clearance (if this happens to be so) and play on the fact that you were of the opinion that it was incompetance on the other drivers part, that, and rubber necking that they stopped for no reason whatever that their irresponsible act was the cause and blame of the accident and, then, if it is dealt with by a shrewd negotiatior from your insurer should beat the claim down to knock for knock and the excess be wiaved to be paid upon yourr car not theirs.

    It hinges of if the car had reason to stop or if it was over zealous behaviour that endangered you, as it feels and sounds like this 3rd party is going to go for a compensation claim against you and that part can actually be quite costly in NCD loss and future premium hike's so, have no conscience about dressing up your opinion and fact recollections as they are going to stuff you if they get a chance!

  7. #7
    Regular Member Dazzy2006's Avatar
    Join Date
    Dec 2009
    Location
    Notts
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    - i have to agree with the above, as stated u dont have to stop 4 the services unless they cant get through,they are trained to drive round u - u could claim the other driver jumped on the brakes and u didnt stand a chance(if thats what happened)

  8. #8
    VIP-Member
    Join Date
    Jun 2010
    Location
    `
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats

    Vehicle : `

    Trim : `

    Engine : `

    Year : `

    Mileage : `

    Default

    Quote Originally Posted by kentish_bloke View Post
    but didn't have to pay any excess as i was told that was only if i had any repairs to my car.
    A guy at my work reversed into my car a few years back, he told me the same, he never claimed for his car so never had to pay his excess.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Similar Threads

  1. accident ....
    By morri76 in forum Vectra C / Signum Car Chat
    Replies: 10
    Last Post: 28th September 2010, 15:51
  2. Accident
    By Factory Pilot in forum Vectra C / Signum Car Chat
    Replies: 22
    Last Post: 7th October 2009, 21:34
  3. I've had an accident
    By Vectra Singh in forum Vectra C / Signum Car Chat
    Replies: 40
    Last Post: 1st February 2008, 13:50
  4. The Accident
    By Gaz the Cab in forum Comedy & Humour
    Replies: 6
    Last Post: 13th January 2008, 14:42
  5. Accident...
    By Stevie-B in forum General Chat
    Replies: 19
    Last Post: 29th June 2007, 13:47

Visitors found this page by searching for:

Nobody landed on this page from a search engine, yet!

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •