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Old 13-04-2013   #31
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Re: Another Accident

sorry i thought i posted last update. i popped into the bodyshop yesterday as they are near the hire place i went to, body shop said they are arranging to get the money upfront from b&m before they book me in.
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Old 15-04-2013   #32
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Re: Another Accident

Quote Originally Posted by portland_bill View Post
If your own insurance is fully comp, your insurance company will handle the whole claim. Downside is that your premium increases next year. Despite not losing any no-claims discount, by having a crunch you demonstrate that you are higher risk.
And why would Dave want to do that, having to pay an excess and have his insurance increase?
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Old 15-04-2013   #33
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Re: Another Accident

Downside is it cost in the long run, upside is that the insurance company will know how and who to deal with, and will get a better result if the company quibbles. Heads/tails?
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Old 15-04-2013   #34
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Re: Another Accident

Quote Originally Posted by portland_bill View Post
Downside is it cost in the long run, upside is that the insurance company will know how and who to deal with, and will get a better result if the company quibbles. Heads/tails?
No they won't, likelyhood is they wouldn't even bother to recover the claim from the other side as its not a vehicle claim, would probably go down as storm damage and then Dave suffers for the next 3-5 years.
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Old 15-04-2013   #35
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Re: Another Accident

If you pass it to the insurance company, they work for you, covering your risks. Just tell them upfront that you only wish to claim if they can recover full costs from the other party. They will look at it on that basis. Worked for me.
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Old 15-04-2013   #36
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Re: Another Accident

Quote Originally Posted by portland_bill View Post
If you pass it to the insurance company, they work for you, covering your risks. Just tell them upfront that you only wish to claim if they can recover full costs from the other party. They will look at it on that basis. Worked for me.
Not how it works unfortunately. They won't repair Daves vehicle until that's sorted, and if it goes to court and 3rd party are not found liable who will cover court costs? Either Dave, or his insurance, and if they've costs it'll be classed as a loss and still affect Dave
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Old 15-04-2013   #37
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Re: Another Accident

I'm really sick of how insurance works in this country. Fully comp cover I'd expect MY insurance company to repair / replace my car straight away AND then persue reparations from guilty parties.

Or am I missing the point?
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Old 15-04-2013   #38
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Re: Another Accident

Quote Originally Posted by ChrisUK View Post
I'm really sick of how insurance works in this country. Fully comp cover I'd expect MY insurance company to repair / replace my car straight away AND then persue reparations from guilty parties.

Or am I missing the point?
While I fully agree with you Chris unfortunately it's down to costs and loss limitation.

Take Dave's case as prime example, 1k(ish) of Damage.

Dave could go to his insurance company. They can repair it and pay out 1k. They've then got 2 choices.

1) Tell Dave that its an insured peril, and that they'll cover it and it'll go down as a claim against him and the insurance company has lost only 1k.

2) Pursue 3rd Party legally, could cost 000's. Should they win they'll get this back plus the 1k, if they however loose suddenly Dave's claim has cost 1k plus 000's.

Now this gets passed on to everyone else who is insured ultimately, but its still in an insurance co's interest to try and mitigate a claim cost as much as possible.

If Dave has legal cover on his insurance policy, he could possibly use this to pursue the 3rd party, but legal cover varies from company to company in what it includes and if it'll cover this type of incident.

This is also why a lot of certain types of cases will often go down as 50/50 / knock for knock (roundabout collisions for example) where they may be a lack of clarity to the liable party.
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Old 15-04-2013   #39
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Re: Another Accident

Yeah I can see your point. If it weren't for crash for cash scams from all walks of europe scum coming to the UK they could afford to do that with what we pay...
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Old 15-04-2013   #40
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Re: Another Accident

Quote Originally Posted by dave View Post
i'm smoke free since jan 23rd, mrs dave a month smoke free, daughter been about 6 weeks smoke free too
Wrong thread

Think this is ment to be in Grumpy thread in reply to @yasifa?

Congrats anyway
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Old 15-04-2013   #41
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Re: Another Accident

Quote Originally Posted by Most Easterly Pandas View Post
Wrong thread

Think this is ment to be in Grumpy thread in reply to @yasifa?

Congrats anyway
yeah how that happen
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Old 15-04-2013   #42
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Re: Another Accident

Keep it well away from your insurance company unless you have to. If they're paying privately then nobody need know anything.

Having a non-fault accident of any sort will lead to higher premiums. Sadly they think that statistically, on average, people who get crashed into are a higher risk. It's not fair but that's how it is.
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Old 16-04-2013   #43
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Re: Another Accident

some put it up for 1 non fault, some quotes I've done it don't go up for up to 2 non faults but it will on the 3rd, if I class this as a motoring accident it will be my 4th non fault in 5 years the 2nd when i haven't ever been in the car, the ombudsman or some one needs to looking in to these hikes for non fault its not fair at all
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Old 16-04-2013   #44
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Re: Another Accident

That's a lot of non-fault issues. You should ask yourself why each happened, and whether you could have been somewhere else. Being in the wrong place at the wrong time may be a choice. The insurance companies will assess you as higher risk if you are a frequent victim.

This is part of what I do for a living. Remedial training for businesses when their employees have had collisions. Where, how, why, etc. A lot of incidents can be avoided with a little foresight, hindsight can help prevent further occurrences.
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Old 16-04-2013   #45
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Re: Another Accident

Quote Originally Posted by dave View Post
the ombudsman or some one needs to looking in to these hikes for non fault its not fair at all
If stats can be backed up then unless a law is put in place then there is nothing they can do
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