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Right, Ive been driving for 18 years and never had to claim on car insurance but on Sat morning someone kindly reversed into my van which was parked outside my house whilst I was loading it.
Was parked but no keys in ignition and hand brake on. They managed to shunt it 2 feet down the road from where I'd left it but apparently weren't going fast! looks to have caused about £1500 worth of damage from a quick tot up of whats def broken and damaged so will be an insurance job.
Question is, whats the process? I'm fully comp with protected no claims, do I notify and claim from my insurance who in turn get it back from hers or do I claim direct from her company? Any other advise, don't want this to become a load of hassle but I'm pretty sure it will!
You claim from yours and give them the other parties details.
Inform your insurance and let them deal with it, that is what you pay them for.
That's what I was hoping was gonna be the answer, what about excess payments, do I loose this or does it get claimed back too?
You make a claim and if youre not got protected no claims then your premium goes up, next time, because you have made a claim.
I believe you pay the excess initially, but it will be paid back to you when your insurance company claim from the other party. So effectively you'd get it back only if your insurance company were successful in doing so. Which in this instance looks a fairly safe bet...
The other way, is to go through the other parties insurance company directly. Generally in clear cut cases they won't argue because it'd cost them more to do so. But they [i]will[/i] try to get away with the lowest possible settlement they can. That is the benefit of using your insurance company to fight your corner.
You make a claim and if youre not got protected no claims then your premium goes up, next time, because you have made a claim.
that's only if it's your fault. you are not claiming of YOUR insurance. your insurers are acting on YOUR behalf to claim from the peron responsible i.e. their insurers
Your premium will still rise
as above your premium will go up, also what happens if you both share the same insurance comapny.Theyre going to loose money, so again your premium will go up.
Don't do as Butcher's "other way" suggests.
If you have any problems with "their" repairs, there is no comeback. If you go through your own insurance, whom you have the contract with, you can get the insurance ombudsman to fight your corner.
i've spent the last two months fighting insurance companies due to some idiot reversing, at speed, into the side of my van.
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This is apparently a write off!!!
I've spent best part of nearly 20 hours on the phone to insurers, repairers, lawyers, ombudsmen and van hire firms trying to sort something out.
Were getting there slowly but it's been testing, very testing.
Give me a call if you want some advice that I've gleaned over the last two months. numbers in the picture.
[i]that's only if it's your fault. you are not claiming of YOUR insurance. your insurers are acting on YOUR behalf to claim from the peron responsible i.e. their insurers[/i]
Not the case at all, if you made a claim whether your fault or not your premium still goes up. Bizarrely someone crashing into and 100% their fault makes you statistically more likely to have an accident.
Not the case at all, if you made a claim whether your fault or not your premium still goes up. Bizarrely someone crashing into and 100% their fault makes you statistically more likely to have an accident.
Becuause you are in an area/driving through areas where accidents have occoured (i.e. your accident).
IIRC someone off here managed to claim off the other drivers insurance an ammount for 'on going expenses' that included their increaced premiums for the next 5 years.