Reversed into, other party not claiming liability

Daveyk1975

tinkerbell84 wrote: »

Looks like it's gonna cost you

in what sense?

Quentin

Unless the third party accepts liability, you have your excess to pay, as well as an increase in premium at renewal. And (unless protected) you will lose some NCB.

Daveyk1975

Quentin wrote: »

Unless the third party accepts liability, you have your excess to pay, as well as an increase in premium at renewal. And (unless protected) you will lose some NCB.

So what do you suggest? Should I proceed with the claim or should I drop it? (i could fix the damage myself and pay for a new grille, but i was in the mindset of if didn't cause the accident why should have to pay for the damage)

would they be any legal costs associated with it if i dropped the claim?

peachyprice

Do you have legal cover included in your insurance? If so it might be worth giving them a call, they will fight on your behalf.

Quentin

The problem you have is that you cannot be sure the third party isn't going to make a claim against you (although no damage was apparent, there still could be shock damage to the bodywork/bumper), and an injury claim cannot be out of the question - given the lies she seems prepared to tell.

But assuming there is no claim from the third party, then there should be no problem withdrawing your own claim now and paying for the repairs yourself.

There is still a chance the incident will result in a premium increase irrespective of whether or not any claim is made.

Quentin

peachyprice wrote: »

Do you have legal cover included in your insurance? If so it might be worth giving them a call, they will fight on your behalf.

The trouble with legal cover type solicitors is they will only be funded to fight a little if there isn't a good chance of winning.