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Thread: No fault accident - where do I start?

  1. #1
    Regular Member ballogie's Avatar
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    Default No fault accident - where do I start?

    Just been involved in my first ever accident.

    No one hurt but my Signum is a bit bruised.

    I was not at fault as the other party hit me as she exited from a minor road and has done some unbelieveable damage to the side of my car.

    Where do I start ? My insurers?, her insurers?

    I'm fully comp with legal cover

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    Regular Member Leviathan's Avatar
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    Eeek! Sorry to hear that, waste no time - Contact your insurer and provide them with her name, regisitration and the name of her insurance company.

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    Regular Member glenboy's Avatar
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    As long as you've got her details then ring your insurance company and tell them all the info,should be sorted no problem if she's accepted liability.......

    Damn you beat me to it Darren......

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    Ex Vec-C Admin Stevel's Avatar
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    Let your insurer know what's happened but do the claim through her insurer (assuming she admits it was her fault). Get on the phone ASAP because it's funny how people change their mind over who was at fault when they have spoken to a few mates.

    If the claim is through an accident management company they will be the ones that come back to you with details of a hire car. You should get like for like.

    They will then come to the, "Approved Repairer". Don't be mislead by "Approved". It can be simply a place that the insurer has agreed an hourly rate with. If you know the Approved repairer and are happy to take it there then fine.

    You are entitled to take the car to an repairer of your choice. In all probability a VX dealer. Don't budge from this. They normally try it on with you must take it to one of their places. That bollox.

    If the car is drivable I'd book it in for a quote now.

    edit: oh and write everthing down now as to what happened including road names etc.


    This may help. http://forum.vectra-c.com/showthread.php?t=18140
    Last edited by Stevel; 25th February 2008 at 17:33.

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    Regular Member ballogie's Avatar
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    Default here are the pics of the damage







    Is it all fixable ??
    Last edited by ballogie; 25th February 2008 at 20:33. Reason: added pics

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    Regular Member ballogie's Avatar
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    Quote Originally Posted by Stevel View Post
    Let your insurer know what's happened but do the claim through her insurer (assuming she admits it was her fault). Get on the phone ASAP because it's funny how people change their mind over who was at fault when they have spoken to a few mates.

    If the claim is through an accident management company they will be the ones that come back to you with details of a hire car. You should get like for like.

    They will then come to the, "Approved Repairer". Don't be mislead by "Approved". It can be simply a place that the insurer has agreed an hourly rate with. If you know the Approved repairer and are happy to take it there then fine.

    You are entitled to take the car to an repairer of your choice. In all probability a VX dealer. Don't budge from this. They normally try it on with you must take it to one of their places. That bollox.

    If the car is drivable I'd book it in for a quote now.

    edit: oh and write everthing down now as to what happened including road names etc.


    This may help. http://forum.vectra-c.com/showthread.php?t=18140

    Thanks Steve ( and everyone else)

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    Regular Member Leviathan's Avatar
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    Quote Originally Posted by ballogie View Post






    Is it all fixable ??
    It looks cosmetic but you never ever know until its inspected fully.

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    Regular Member Karl's Avatar
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    its fixable, but expensive repair at a dealer, so send it there. I would have that done at a Vx repairer only. From experience you get a better job.

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    Regular Member Stevie-B's Avatar
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    Quote Originally Posted by ballogie View Post
    Just been involved in my first ever accident.

    No one hurt but my Signum is a bit bruised.

    I was not at fault as the other party hit me as she exited from a minor road and has done some unbelieveable damage to the side of my car.

    Where do I start ? My insurers?, her insurers?

    I'm fully comp with legal cover
    Contact www.crashservices.com. They take on your case as long as your 100% not at fault and will do everything for you including legal cover, loss of earnings, courtsey car all FOC. They will also ask you which bodyshop you want to go to. Your insurance will want an excess fee and you'll lose your no claims discount. I went with them last year and got excellent service.
    Last edited by Stevie-B; 26th February 2008 at 14:18.

  10. #10
    On a Sabbatical VauxVeteran's Avatar
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    Insist on a new bumper and a refurb of the alloy at least, new one if you can wangle it, state it might not run true anymore, and remember all repairs are to your satisfaction not the insurance company that pays out.

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