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Thread: Oh thank you very much missus!!

  1. #1
    Regular Member Adz86's Avatar
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    Default Oh thank you very much missus!!

    well I'm sat in traffic on a slip road, looks in my mirror to see a fiesta flying towards my right hand side, knowing fine well she wouldn't fit through the gap I braced for impact... Sure enough she takes my wing mirror off and scrapes my front end!! Luckily i turned a foot or so to the left before she hit or couldve been much worse! She stops and says "I'm really sorry I didn't mean to!" ok I say but I'm gona need your insurance details coz uve done some damage to which she looks at me like I'm been out of order!! So got her insurance details, what's the next step? Do I just ring my insurance and pass her details on and they will sort it? With Adrian flux if that makes any difference

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    Regular Member Derek Mc's Avatar
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    If you got all her personal details location photos, pass them on along with her insurance to your insurer after a quick phone call to confirm their system.

    Be careful and document as much as possible however as these events can often become knock for knock unless you have witness's photos and even a police record of it these days.

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    Full Member Big Sig's Avatar
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    I bet the stupid cow thought you would say "nevermind dear it's ok" when you really wanted to smack her in the face for being so ****** thick!

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    Regular Member Jezzy's Avatar
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    Quote Originally Posted by Derek Mc View Post
    If you got all her personal details location photos, pass them on along with her insurance to your insurer after a quick phone call to confirm their system.

    Be careful and document as much as possible however as these events can often become knock for knock unless you have witness's photos and even a police record of it these days.
    "Knock for knock" doesn't exist anymore - it was where two insurance companies had a reciprocal agreement not to claim off each other, as the sums they would chase each other for would pretty much cancel each other out over the course of a year; and by not claiming (or paying) from each other they each saved on admin costs. It was abandoned years ago when Direct Line turned up and started claiming for every penny from every one.

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    Regular Member Adz86's Avatar
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    well to say i was annoyed is an understatement, was supposed to have a guy coming to look at it tomorrow night!! gona have to cancel that chap! gona ring insurance now! see what they haev to say.... also when you take out insurance and it asks if youve had any non fault claims will that affect my premiums from now on? cheers, adam

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    Regular Member Ben_'s Avatar
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    Shouldn't affect your premiums mate, it never did me when somebody hit me that wasn't my fault. Hope all gets sorted soon bud

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    Full Member Big Sig's Avatar
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    Unfortunately every claim, fault or non fault makes a difference (did with my mums non fault claim). Why I have no idea!

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    Regular Member Jezzy's Avatar
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    Quote Originally Posted by Big Sig View Post
    Unfortunately every claim, fault or non fault makes a difference (did with my mums non fault claim). Why I have no idea!
    Because they deem that you've shown you drive in an area, at a time of day, where there's an increased chance of having an accident and making a claim. The fact that you weren't to blame was just chance, in their opinion.

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    Full Member Big Sig's Avatar
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    Quote Originally Posted by Jezzy View Post
    Because they deem that you've shown you drive in an area, at a time of day, where there's an increased chance of having an accident and making a claim. The fact that you weren't to blame was just chance, in their opinion.
    makes sense, in a backwards kinda way. I guess you were partly responsible - just by being there!

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    Regular Member keefy*2010's Avatar
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    Vehicle : Vectra C Facelift

    Trim : Elite

    Engine : 1.9Cdti 150

    Year : 2007

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    I had no fault claim on insurance paid by my employers part of re-imbursement for using my own car.
    When I had to insure it my self I got full no claims allowance no prob with L&V

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