The bump that never happened- advice please

dougk_2

Quentin wrote: »

Your insurer is paying because they feel you were totally to blame.

What grounds do you have for saying there is no damage to the car you hit?

Your insurer will only pay out for any damage/compensation caused as aresult of the accident.

You won't have any excess to pay. And as you don't wish to make a claim against the other driver, why would you want to contact their insurer to report the incident?

Answers
a) I saw the car and there was no damage and the speed of the impact would have not caused the damage being claimed. There was not a scratch , dent or crack on the car. Mine is undamaged too
b) I do not agree with insurance fraud and the third party should not get away with it
c) Because I don't want inflated premiums because of fraudulant claims
d) Because the insured has a duty to report all incidents to their insurer and technically could now not be insured for failing to report an incident (read the T&C's of most policies)
e) The third party should be identified as a potential fraudster and it should be investigated
f) I DO have to pay an excess... third party claims are included so they tell me.
g) The Insurer has said they will pay out for ALL accident damage (not just what could be attributed to the incident involving me based on what I have told them).
h) The insurer has a duty to support the policyholder

Quentin

Just because no damage was apparent doesn't mean the vehicle(s) are undamaged.

That is why one should never say "no damage done" after a bump and drive off without getting details.

eg Replacing and respraying an "unmarked" (though damaged internally) bumper could easily cost £800 (or lots more, depending on model)

Let a professional decide what damage has been done. It is quite possible to have damage done even though the bodywork looks unmarked.

If you really think insurance fraud is going on, then report the matter to the insurance fraud bureau.

It's not really your worry whether or not the third party informs his insurer! If you are to blame, haven't you caused him enough trouble?

Check your policy details yourself to see which sections involve you paying a contribution by way of an excess. What you have been told is most unusual.

It isn't in your insurer's interest to pay out for damage you didn't cause, so ask them not too!

You say your insurer should support you... but you didn't support them when you admitted liability at the scene!

dougk_2

I didn't admit liability at the scene - that is the point. The third party lied to the insurer and said i did, said i hit the car at greater speed than i did.
I admitted to the insurer I had a minor bump and their was no damage - I only did that to comply with T&C's
I do actually know what sort of damage can be caused, I am mechanically minded, brother is a mechanic, father is an engineer and I have been involved in motorsport for years, however contact at walking pace to the offside rear of a car does not cause damage to nearside rear and damage to the boot well.
No doubt if I had made a claim the insurer would be messing about trying not to pay me anything.

Quentin

Trouble is both sides often tell different stories.

I misunderstood your posts regarding you admitting liability. No reason why you can't report the third party to the ifb. When there is a collision, the energy absorbed in the crash has to go somewhere!

Definitely check out your policy regarding the excess!

Thriftysaver

Quentin

If someone is making a claim against you then you have to pay the excess. If you are making a claim against someone they pay their excess and you don't.
The person at fault pays the excess, unless you are lucky enough to have nil excess

HTH

Thrifty

Quentin

Thriftysaver wrote:

HTH

No, your post doesn't help at all. If your insurer is only paying out to the third party, there is no excess to pay.

In the incident being discussed, the third party is making a claim direct off dougk's insurer.

When your own insurer pays out for damages to a third party, you don't have any excess to pay!

dacouch

Thriftysaver wrote: »

Quentin

If someone is making a claim against you then you have to pay the excess. If you are making a claim against someone they pay their excess and you don't.
The person at fault pays the excess, unless you are lucky enough to have nil excess

HTH

Thrifty

As Quentin will tell you, normally you do only have to pay an excess if your are claiming for repairs to your own vehicle from your own Insurer. If you are not claiming for the repairs for your own vehicle from your Insurer and they other party are claiming from your Insurance you normally pay no excess.

The exceptions to the above are if you have an "All Sections Excess" or a "Third Party Excess" These are quite rare and tend to be imposed by the crappy (My opinion) although some normal Insurers are starting to impose these.

SolicitorMidlands

Admissions made by people at scenes of accident are not binding.