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Subject Topic: Car ins claim... Post Reply Post New Topic
Personsaz121299
11/9/2013 at 2:21pm
 Location: Sherston Wilts
 Outfit: Lunar Clubman 460-4 1988 View saz121299's Profile View Profile   Reply to saz121299 Reply   Quote saz121299 Quote  
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A few weeks ago i was driving my partners car (as a named driver) and, whilst pulling out of the petrol station, i hit a small van...
I said i would prefer to not go through insurance as i didnt want to affect any premuims or no claims so the other driver agreed to get a quote and let me know...
i received a letter yesterday from him stating the quote, backed up with a letter from the garage... however, i cannot afford to pay the sum outright as he rightly wants so my question is.... is it too late to go through the insurance company? ive not had any experience of this before so am a little worried about how to go about this, any advice very welcome and much appreciated please x

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Enjoyed tenting,
Enjoyed trailer-tenting,
Now loving caravanning 😊😊


Persontimtheenchanter
11/9/2013 at 3:17pm
 Location: Yeadon Leeds!
 Outfit: Swift Challenger & Defender 110SW View timtheenchanter's Profile View Profile   Reply to timtheenchanter Reply   Quote timtheenchanter Quote  
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no, not too late, just tell him you decided to go through your insurer, he then tells his insurer, you tell your and get it sorted.


Personsaz121299
11/9/2013 at 3:54pm
 Location: Sherston Wilts
 Outfit: Lunar Clubman 460-4 1988 View saz121299's Profile View Profile   Reply to saz121299 Reply   Quote saz121299 Quote  
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Thank you, this has been worrying me since it happened, and the quote is a bit more than i expected so dont really have a choice but to go through insurance now x

-------------
Enjoyed tenting,
Enjoyed trailer-tenting,
Now loving caravanning 😊😊


Personkbcalypso
14/9/2013 at 5:55pm
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explain that the quote was a bit dearer than you can afford and you will inform the insurance, but be prepared for your insurance to rise next time its due.

-------------
keep on moving


PersonQuinny
14/9/2013 at 6:29pm
 Location: Ossett.West Yorkshire.
 Outfit: Sold it. Looking for a new one. View Quinny's Profile View Profile   Reply to Quinny Reply   Quote Quinny Quote  
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Quote: Originally posted by kbcalypso on 14/9/2013
explain that the quote was a bit dearer than you can afford and you will inform the insurance, but be prepared for your insurance to rise next time its due.


+1.


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Never in the field of human conflict was so much owed by so many to so few.
Winston Churchill. 21st August 1940


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PersonTigermouse
14/9/2013 at 7:36pm
 Location: Bolton Lancs
 Outfit: Tent & Toyota Granvia View Tigermouse's Profile View Profile   Reply to Tigermouse Reply   Quote Tigermouse Quote  
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Has he only provided you with the one quote? He should really get three different ones and provide you with all of them before you make up your mind.

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Tigermouse


I have a very temperamental personality - 50% temper and 50% mental


PersonDerekm
14/9/2013 at 10:04pm
 Location: Milton Keynes
 Outfit: Sunncamp Haven 600 View Derekm's Profile View Profile   Reply to Derekm Reply   Quote Derekm Quote  
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Quote: Originally posted by Tigermouse on 14/9/2013
Has he only provided you with the one quote? He should really get three different ones and provide you with all of them before you make up your mind.


He dosen't have to get any quotes. He could just put it the hands of his insurance company and let them sort it out, hes actually doing the OP a favour.

I assume the OP has checked the 3rd Party he hit has insurance?

Derek


Personrabb_uk
14/9/2013 at 10:10pm
 Location: Derbyshire
 Outfit: Adria Forma-Delica 2.8td-Movelite XL View rabb_uk's Profile View Profile   Reply to rabb_uk Reply   Quote rabb_uk Quote  
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Agree with the above, he can choose where its going, but a valid point about checking he has insurance too it may be a good bargaining tool, if you got his number plate check it at askmid.

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Doing as little as possible for as much as possible...


Personiank01
15/9/2013 at 11:26am
 Location: Worcestershire
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Quote: Originally posted by saz121299 on 11/9/2013
A few weeks ago i was driving my partners car (as a named driver) and, whilst pulling out of the petrol station, i hit a small van...
I said i would prefer to not go through insurance as i didnt want to affect any premuims or no claims so the other driver agreed to get a quote and let me know...
i received a letter yesterday from him stating the quote, backed up with a letter from the garage... however, i cannot afford to pay the sum outright as he rightly wants so my question is.... is it too late to go through the insurance company? ive not had any experience of this before so am a little worried about how to go about this, any advice very welcome and much appreciated please x


I am sure that you are legally bound to notify the insurance company of any incident whether you claim or not.


Personkbcalypso
15/9/2013 at 8:16pm
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it depends, once you notify your insurance even if you don't claim it stays on your file, I once was backing up into a parking space and a woman in a landrover was leaving a drive and didn't see me I only scratched her number plate but she wanted a new bumper, I left it in the hands of the insurance.

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keep on moving


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Persontango55
15/9/2013 at 8:35pm
 Location: Lichfield
 Outfit: Coachman Amara 450 View tango55's Profile View Profile   Reply to tango55 Reply   Quote tango55 Quote  
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My niece was in a similar situation a few weeks ago and she didn't go through the insurance although I told her she should have. The third party initially wanted £1200 which was refused then ridiculously went down to £500 and so a week later it went down to £200. I told her not to pay and it turned out the guy wasn't insured for business and only had a policy for social and domestic pleasure. She didn't pay out at the end of the day but the insurance company give her a hell of ticking off for not reporting it the same day. So the advice is to report it NOW! because there are scammers out there willing to take your cash whichever way they can to avoid the legal root and once parted with your money you are basically aiding and abetting the thief.


Personphathamster
16/9/2013 at 8:28am
 Location: None Entered
 Outfit: raclet quickstop 2008 View phathamster's Profile View Profile   Reply to phathamster Reply   Quote phathamster Quote  
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inform the insurance company, car repairs are often so stupidly priced its cheaper to take the hit on your insurance, does the quote tie up roughly with the damage caused?


Personanie7
16/9/2013 at 10:20am
 Location: up North
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I would go through your insurance too.

Plus, even if you don't claim, you still have to report the incident. It will go on your file - you can't do anything about that. However if you don't declare it, your insurance company could say that it invalidates your policy and refuse to pay out in future.



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