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Advice on car insurance claim needed!

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By (user no longer on site) OP   
over a year ago

Anyone who works in a claim department for an insurance company please get in touch x

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By (user no longer on site)
over a year ago

Don't say your sorry

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By (user no longer on site) OP   
over a year ago

Its not my fault x

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By *odareyouMan
over a year ago

not far from iceland,,,,,, tescos is nearer though :-) (near leeds)

Why not ring your insurer ?

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By (user no longer on site) OP   
over a year ago

Cause then I will make a claim just by calling... It wasnt my fault so need to contact his x

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By *oncupiscentTonyMan
over a year ago

Kent

Your insurance company will claim from the other party's insurance, give them a call it's what you've paid for.

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By *oodlandCoupleCouple
over a year ago

Derbyshire

From my experience even if it isn't your fault you should still ring up your insurance company, explain what happen and provide them with the details of the person who was at fault. They will deal with it and claim any costs for the repair. I didnt have to pay my access either and it didn't affect my NCD even tho i didnt pay the protection of it.

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By (user no longer on site) OP   
over a year ago

Thank you Im so confused x

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By (user no longer on site)
over a year ago

You have to inform your ins company if you've been involved in an accident regardless of fault. They will sort it out with the other company.

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By *oncupiscentTonyMan
over a year ago

Kent


"Thank you Im so confused x"

Call your insurers, explain to them what has happened, they'll want the other party's details then will negotiate with them to settle your claim. Your policy and ncd won't be affected because there is no claim being made against you but next year's renewal/quote will increase because you'll have a no fault claim registered against you for the next 5yrs (that's all on the assumption you're squeaky clean and it's 100% the other party).

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By (user no longer on site)
over a year ago

Technically you have to report any accident even if it was a bump with no one else involved and your paying for the repair yourself you still have to inform your insurer

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By (user no longer on site)
over a year ago


"You have to inform your ins company if you've been involved in an accident regardless of fault. They will sort it out with the other company. "

This. Working in the industry you need to report it regardless of blame

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By (user no longer on site) OP   
over a year ago

I know I need to report it but to there company not mine x

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By (user no longer on site)
over a year ago


"I know I need to report it but to there company not mine x"

No. To yours.

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By (user no longer on site)
over a year ago


"I know I need to report it but to there company not mine x"

You need to report it to your own company

If you have fully comp insurance than your company can deal with repairs then claim it back and / or

They need to report it too own insurer. If he admits liability then his insurers can deal with your repairs but you still need to report to your own insurers

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By *smithyukMan
over a year ago

Staffs

Try making another thread on the subject I don't think the 3 you have made are getting enough replies.....

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By (user no longer on site)
over a year ago

Our car got hit a while back (while parked). The bloke offered to pay the costs himself and I was considering it until his arsey wife made a snotty comment about it being a stupid place to park.

Subsequently informed my insurer. They sorted everything - were really good.

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By *P1964Woman
over a year ago

gillingham


"From my experience even if it isn't your fault you should still ring up your insurance company, explain what happen and provide them with the details of the person who was at fault. They will deal with it and claim any costs for the repair. I didnt have to pay my access either and it didn't affect my NCD even tho i didnt pay the protection of it. "

This is correct, my son's car got hit by a lorry last month (it wasn't his fault) and he exchange details with the other driver and liaised with his insurance straight away. It was all sorted without any hassle, he didn't have to pay any excess and it did not affect his NCB.

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By (user no longer on site) OP   
over a year ago


"Try making another thread on the subject I don't think the 3 you have made are getting enough replies....."

I only did two and the first one had the wrong subject title and you cant delete it... Basically shoot me!!! X

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By (user no longer on site) OP   
over a year ago


"Our car got hit a while back (while parked). The bloke offered to pay the costs himself and I was considering it until his arsey wife made a snotty comment about it being a stupid place to park.

Subsequently informed my insurer. They sorted everything - were really good."

Thank you x

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By (user no longer on site) OP   
over a year ago


"From my experience even if it isn't your fault you should still ring up your insurance company, explain what happen and provide them with the details of the person who was at fault. They will deal with it and claim any costs for the repair. I didnt have to pay my access either and it didn't affect my NCD even tho i didnt pay the protection of it.

This is correct, my son's car got hit by a lorry last month (it wasn't his fault) and he exchange details with the other driver and liaised with his insurance straight away. It was all sorted without any hassle, he didn't have to pay any excess and it did not affect his NCB. "

Thank you I will call them in the morning x

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By (user no longer on site)
over a year ago

Reporting to your insurance company is the right thing to do however it does effect your premiums in the future even though it wasn't your fault. I've just found this out !!

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By *erbyDalesCplCouple
over a year ago

Derbyshire


"Try making another thread on the subject I don't think the 3 you have made are getting enough replies.....

I only did two and the first one had the wrong subject title and you cant delete it... Basically shoot me!!! X"

No, there are three. If you go back to them via your green arrow and click the "report" button, the mods will remove the other two.

Mr ddc

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By (user no longer on site) OP   
over a year ago


"Reporting to your insurance company is the right thing to do however it does effect your premiums in the future even though it wasn't your fault. I've just found this out !! "

I find it funny that this can happen when its not your fault.. puts people off reporting it x

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By (user no longer on site) OP   
over a year ago


"Try making another thread on the subject I don't think the 3 you have made are getting enough replies.....

I only did two and the first one had the wrong subject title and you cant delete it... Basically shoot me!!! X

No, there are three. If you go back to them via your green arrow and click the "report" button, the mods will remove the other two.

Mr ddc "

To be fair after today this is kinda the least of my problemd but thank you for letting me know and I apologise to the other guy x

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By (user no longer on site)
over a year ago


"Reporting to your insurance company is the right thing to do however it does effect your premiums in the future even though it wasn't your fault. I've just found this out !!

I find it funny that this can happen when its not your fault.. puts people off reporting it x"
I had 3 people hit my car in 3 different incidents and not once did I pay more but I did swap insurers when renewal came up.. but I did that most years anyway

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By (user no longer on site)
over a year ago


"Reporting to your insurance company is the right thing to do however it does effect your premiums in the future even though it wasn't your fault. I've just found this out !!

I find it funny that this can happen when its not your fault.. puts people off reporting it x"

Mine is 33% more because someone hit me 2 yrs ago my car was parked at the time and I wasn't in it.

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By (user no longer on site)
over a year ago

I swap every year and have protected NCD. My premium didn't increase.

On a different note it annoys me that I only get 9 years NCD when it should be over double that

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By (user no longer on site)
over a year ago


"I swap every year and have protected NCD. My premium didn't increase.

On a different note it annoys me that I only get 9 years NCD when it should be over double that "

Same here. ...on all counts!

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By *amissCouple
over a year ago

chelmsford


"I know I need to report it but to there company not mine x"

You are obliged to report any incidents to your insurance company,whether you are at fault or not.

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