DD had an accident today

espresso

MrsE wrote: »

Will it affect her no-claims? Assuming it goes in her favour of course.

It must be a fairly open & shut in this case, with her pulling over onto the path of an oncoming car?

It would affect her no claims if she had any, as presumably she will have to make a claim for the damage. Unfortunately many accidents are settled on a knock for knock basis without necessarily apportioning any blame (less work and cheaper for the insurance companies), so she will have to fight to claim her excess back separately. The policy may have legal protection cover to help with this but her renewal premiums will rise anyway.

MrsE wrote:

he stepped in to sort the details & he told her he was her BF.

That may not help!

BallandChain

MrsE wrote: »

In the same circumstances?

Sorry I don't remember, do you have a link?

http://forums.moneysavingexpert.com/showthread.html?t=785927&highlight=ballandchain

MrsE_2

BallandChain wrote: »

http://forums.moneysavingexpert.com/showthread.html?t=785927&highlight=ballandchain

You hit a stationary car?

BallandChain

No, the car had gone across my side of the road and I didn't have time to slam on my brakes until the last minute.

MrsE_2

espresso wrote: »

It would affect her no claims if she had any, as presumably she will have to make a claim for the damage. Unfortunately many accidents are settled on a knock for knock basis without necessarily apportioning any blame (less work and cheaper for the insurance companies), so she will have to fight to claim her excess back separately. The policy may have legal protection cover to help with this but her renewal premiums will rise anyway.
That may not help!

I was thinking of the renewal.

Assuming its found in her favour & its the only misshap this year, will it still affect the no claims?
The insurance are going to call her insurers on Monday & see if they are going to pay up without moaning.
It was a company car, belonging to the ladies husband.

MrsE_2

BallandChain wrote: »

No, the car had gone across my side of the road and I didn't have time to slam on my brakes until the last minute.

No the woman you hit was prevented from completing her turn into the road due to another vehicle in the road, so she had to slow & stop.
But the assumption is had the other vehicle not blocked her it would have been a safe turn?

The woman who turned in front of my DD, didn't stop & look just crossed over as if there was no on coming traffic. It was not a safe manouver.

As my DD was approaching the junction (well left turn, do you need a X for a junction), two cars crossed safely in front on her, with plently of room, I guess this lady just followed them, assuming it was ok.

espresso

MrsE wrote: »

I was thinking of the renewal.

Assuming its found in her favour & its the only misshap this year, will it still affect the no claims?

Yes because NCB has to be earned i.e. one year accident free gives one years NCB and the associated discount on the premium.

The renewal premium will increase as she will be assessed as a higher risk because of the accident regardless of fault. Even a no fault accident can increase your premium simply because you had an accident. You can't win with insurance!

BallandChain

That's my point, the car crossed my path when it wasn't safe to do so.

MrsE_2

espresso wrote: »

Yes because NCB has to be earned i.e. one year accident free gives one years NCB and the associated discount on the premium.

The renewal premium will increase as she will be assessed as a higher risk because of the accident regardless of fault. Even a no fault accident can increase your premium simply because you had an accident. You can't win with insurance!

Blimey, thats terrible!

Thank you (I think!).

asbokid

MrsE wrote: »

Blimey, thats terrible!

Thank you (I think!).

I did tell you that already... "no claims bonus" is awarded to those who make "no claims", funnily enough.. hence the importance of the word "no".

I'm sorry you didn't like me playing Devil's Advocate.. it was meant to be helpful. I'm not sure you even realised.. i was offering some ideas that you should consider, if only to bolster your claim. However, since you took it personally, i shall bow out (or should that be "curtsy" out?), so as to not to delay you any further in your fraudulent claim...

The industry reckons that fraudulent P.I. claims, whether successful or not, add £60 to everyone else's motor insurance premiums.. Just a thought............