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Old 29-05-2003   #1
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Help Insurance!!

Hi everyone, i had a car accident few months back and the damage to my car wasnt that bad wing mirror and a dint, i didnt bother go through insurance i got it fixed 300 and now that person is goin 2 claim on me!!! what should i do? how to tell the insurance? also i have a induction kit in my car?? would the insurance send someone round to check my car? Induction isnt on the insurance! Please help if you could reply to me soon as Possiable!!!! THANX!!!
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Old 29-05-2003   #2
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to be on the safe side take the induction kit off and replace with standard airbox.

matter of intrest what damage to the other persons car, if any. Or is it a personal injury claim.

aren't u suppose to tell the insurance company anyway if u have a accident but dont make a claim???

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Old 29-05-2003   #3
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You are supposed to notify the insurance of any damage that could go through you insurance, even if you don't. Its really just to cover yourself. If you hit them then they are entitled to claim, if they hit you just tell your insurance about their fraudulent claim and let them fight it out.
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Old 29-05-2003   #4
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thanx for replying and i didnt want 2 tell the insurance when i had the accident because my insurance will go increase!! i was taking the gamble but now they goin make a claim i dont no what to say to insurance! my car is fixed would they send some one round to check my car??
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Old 29-05-2003   #5
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Depends on the size of their claim.. and how big the insurance company is...

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Old 29-05-2003   #6
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u could of told the insurance company u had an accident, but if u didnt claim would it affect the insuracne anyway???


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Old 29-05-2003   #7
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How long ago did this happen, If it was say a couple of weeks then i'm sure their case is void as they took to long to claim against you.
Did they say at the scene of the accident they would'nt be claiming against you or not or worry about it???

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Old 29-05-2003   #8
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this was few months back they didnt say anything about claiming and the police said i could fix my car and they send me a letter saying no evidence so noones fault.. reply soon!! i havent got long till i have to ring up the insurance!!! thanx!!!
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Old 02-09-2003   #9
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if the police sent you that letter then you should be alright
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Old 05-09-2003   #10
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about 20 years ago i wrote my dads car off i paid for the two telegraph poles my self no one made a claim my dad canceled the insurance an like a fool told them it was writen off, they suspended his full no claims discount incase any one tried to claim aganst them, I was driving on my own insurance being allowed to drive someone eleses car third party only. No on ever claimed off him or my insurance. but he never got his no claimes discount back until he earnt it all over again.
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Old 09-09-2003   #11
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If the other party is trying to make a claim and you can't persuade them not to, then I would be (sort of) totally honest with your insurance company.

I would tell the Insurance Company that the Police were taking no action, the other person was taking no further action, and you settled the matter yourself and therefore didn't think you had to tell the them. < - the (sort of) bit ;) Then bend over and accept your punsihment. B)

Your case will be strengthened by the fact the other party has left it so long to make a claim. They could be pulling a fast (rather slow actually) one.

Oops. Just noticed the date. :D

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Old 10-09-2003   #12
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Was a while ago.

Due to the fact my work has blocked this page I will rarely visit.
Any questions should be asked at www.puntoforum.co.uk
Evil-Punto AKA Evilution.
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Old 17-09-2003   #13
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Hi. I deal with motor insurance claims so I thought I'd reply. You should always tell your insurance company if you have an accident and if there is no claim your insurance premium shouldn't increase. Not telling them simply makes it harder to investigate and therefore harder to repudiate a third party claim, however it's not a major problem.

Regarding the police, they are dealing with a criminal matter, your insurance company is dealing with a civil claim. Although the police may not be charging anybody with a criminal offence somebody will still be liable for the accident and that could be you.

I'm not entirely sure what an induction kit is and some insurance companies are more lenient that others but the reason modifications increase your premium is if they are likely to increase the powere/performance, increase the cost of parts or increase the chances of theft. You should always advise your insurance company of any modification as they can quite legally void your policy for non-disclosure. If that happens you will have to pay the third party claim yourself and in this day and age it could be thousands.

Speak to your insurance company and see if they will indemnify you (deal with the claim). They need to start their investigations asap. If they do void your policy, find a solicitor who may be able to sucessfully hold the third party at fault.

Hope this helps. If you need to know anything else by all means
e-mail me. It's good to be able to help, given that I know nothing useful about cars yet!
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Old 18-09-2003   #14
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When I was 17 I wrote my dads car off. No claim was made but I got a 12 month ban and a total fine of 255. That was over 3 years ago and so the convictions are no longer valid. This December, the convictions will be 4 years old and I can have them removed from my license. I have been totally raped on insurance (which I probably deserve) for the last 2 years.

Most insurance companies ask if you have convictions for the past 5 years though, I'm pretty miffed about this because it looks like I'm gonna get raped for a third time. How would the insurance company know I had previous convictions if I didn't tell them? Does anyone know any insurance companies who don't ask for your life story?

Always keep a cool head!
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Old 19-09-2003   #15
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The information you give to your insurance company forms part of a legal contract so lying is not a good idea. Some insurance companies ask for your licence at inception of the policy but far more ask for a copy when you make a claim. If they then discover that you have a conviction which you have not told them about they can void your policy from inception and, as with my previous post, you will have to pay the claim yourself.

I know people think insurance companies lie but not half as much as the policy holders, as proven by this thread! Because of this insurance companies are being more vigilant everyday and there is a good chance you'll be found out.
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