General Help Insurance!!

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General Help Insurance!!

si_ng23

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Joined
Feb 21, 2003
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Newcastle, United Kingdom.
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!!!
 
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???

Gaz

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Wanted Seicento Arbarth Wheels or any 14"+ to fit a seicento
 
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.
 
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??
 
u could of told the insurance company u had an accident, but if u didnt claim would it affect the insuracne anyway???

2106125.jpg

Wanted Seicento Arbarth Wheels or any 14"+ to fit a seicento
 
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???

"The Not so Fast but Furious"
 
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!!!
 
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.
 
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

_________________________
2003 Stilo 1.6 Dynamic 3dr, Orion Grey, 17" Alloys, Dual Zone Climate Control, Aluminum Sills, Clarion DXZ928R, Kenwood DualMags, Clarion SRX1784, de-badged.
I accept no responsibility for the content of my posts, nor any decisions you make based on them.[^]
 
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!
 
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!
 
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.
 
i found by refering to an induction kit simply as a "re-usable cleanable air filter" the insurance company didnt worry to much about it. a lot of people i know modify there cars (not big power gains, more looks) but do not tell the insurance companys.

if we are all honest do we all tell them about every mod???


andy

It dont matter if u win by an inch or a mile ... winnings winning!
 
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