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  • FIRST POST
    • geordiepaul2001
    • By geordiepaul2001 8th Oct 17, 2:29 PM
    • 299Posts
    • 208Thanks
    geordiepaul2001
    Non fault car accident
    • #1
    • 8th Oct 17, 2:29 PM
    Non fault car accident 8th Oct 17 at 2:29 PM
    Hi all,

    I recently returned to my car in a car park to find a note from a lady who had hit my car whilst trying to park her own.
    I have spoken to her on the phone and she has asked me if we can settle privately and asked if I will get a quote for the repair.

    Where do I stand in doing this?
    I appreciate it may to save her being too much out of pocket coming up to Christmas but I don't want to leave myself open to cancelled policies, or rejected claims if she disputes the repair work later down the road.

    Cheers,

    Paul
    June 2016 - Pair of Brooks Glycerin 14's
    July 2016 - Annual family pass to English Heritage
    August 2016 - overnight spa break with dinner and breakfast for two
    September - BBQ toolbox
Page 1
    • Quentin
    • By Quentin 8th Oct 17, 2:39 PM
    • 33,482 Posts
    • 17,361 Thanks
    Quentin
    • #2
    • 8th Oct 17, 2:39 PM
    • #2
    • 8th Oct 17, 2:39 PM
    In that case find out her insurer details and claim directly from them.

    It won't cost her anything until her renewal premium. Her insurer will be paying for your repairs hopefully long before Christmas!

    Tell your own insurer and make it clear you are not claiming off your own policy and that the third party has admitted liability
    • gardner1
    • By gardner1 8th Oct 17, 2:40 PM
    • 2,235 Posts
    • 3,311 Thanks
    gardner1
    • #3
    • 8th Oct 17, 2:40 PM
    • #3
    • 8th Oct 17, 2:40 PM
    It's a tricky one because if it all goes tickety boo your cars repaired to good standard and your insurance company know nothing and no mark on your policy
    On the other hand you get a quote for repair which is way more than the couple of hundred she's expecting which means you can still claim on your insurance which isn't ideal
    Or if she disputes the quote you get tell her she will have claim on her insurance and you contact hers direct and get them to sort your car out......just don't hurry in to contacting your insurance they don't need to know........others will come on here and dispute this saying you have inform insurance company for ALL accidents......it's a cloudy area
    • Quentin
    • By Quentin 8th Oct 17, 2:43 PM
    • 33,482 Posts
    • 17,361 Thanks
    Quentin
    • #4
    • 8th Oct 17, 2:43 PM
    • #4
    • 8th Oct 17, 2:43 PM
    It's not cloudy at all. It's a condition of your policy!

    If you fail to notify your existing insurer or future ones you go to then you give them grounds to cancel your policy.

    A cancelled policy normally has to be disclosed for evermore.
    • Marktheshark
    • By Marktheshark 8th Oct 17, 2:46 PM
    • 5,691 Posts
    • 7,160 Thanks
    Marktheshark
    • #5
    • 8th Oct 17, 2:46 PM
    • #5
    • 8th Oct 17, 2:46 PM
    Your insurance will rise for 6 years if you make a claim or report the incident.
    Brexit will become whatever they invent it to be.
    • Quentin
    • By Quentin 8th Oct 17, 2:52 PM
    • 33,482 Posts
    • 17,361 Thanks
    Quentin
    • #6
    • 8th Oct 17, 2:52 PM
    • #6
    • 8th Oct 17, 2:52 PM
    Your insurance will rise for 6 years if you make a claim or report the incident.
    Originally posted by Marktheshark
    Not necessarily.

    You should always shop around for the best deal at renewal.

    And most insurers only ask for 5 years history, some less
    • geordiepaul2001
    • By geordiepaul2001 8th Oct 17, 2:54 PM
    • 299 Posts
    • 208 Thanks
    geordiepaul2001
    • #7
    • 8th Oct 17, 2:54 PM
    • #7
    • 8th Oct 17, 2:54 PM
    Will the fact I have protected NCD make a difference?
    Also, will the insurer be upset if I report it to a solicitors first who organise courtesy car etc?
    June 2016 - Pair of Brooks Glycerin 14's
    July 2016 - Annual family pass to English Heritage
    August 2016 - overnight spa break with dinner and breakfast for two
    September - BBQ toolbox
    • Quentin
    • By Quentin 8th Oct 17, 3:00 PM
    • 33,482 Posts
    • 17,361 Thanks
    Quentin
    • #8
    • 8th Oct 17, 3:00 PM
    • #8
    • 8th Oct 17, 3:00 PM
    Your NCD won't be affected at all by you claiming off the third party or using a claim handler.

    (Protection is for when you have to make a fault claim)

    Your insurer will need to be informed around the same time you instruct your accident management solicitor or the other side's insurer.

    Though they won't be "upset" about you doing so
    Last edited by Quentin; 08-10-2017 at 3:02 PM.
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