Car and wife hit by another car!

Ivrytwr3

Quentin wrote: »

It's always dangerous to do deals like this. How do you know the matter won't come back and bite you (as handing over the £50 can be seen as an admission of liability). And in your case the third party disputed liability.

The incident has to be reported to the insurer whatever, so, depending on the circumstances (and in this one there was a dispute over who was responsible), you may as well let the insurer sort out the liability issue.

I hear what you're saying and there needs to be an element of trust between the two parties. Yes, you SHOULD inform your insurers, but if i had hit someone and they offered me the opoprtunity to pay direct and not involve the insurance, then yes i would take them up on it. A letter stating that this is full and final settlement for the incident would be looked at should i try and persue it further down the line.

Anyway, they involved the insurance, fortuantely it went our way, and so everything was done above board.

Quentin

vikingaero wrote: »

the third party insurers would have sent a letter instead to the OP saying something along the lines of "We believe that you are liable in the accident and are responsible for the cost of repairs blah blah."

According to the OP, that's what happened.

deutsch

Quentin wrote: »

If the third party has NCD protection, then a claim seems sensible, (and if not, they can always have the claim removed by reimbursing their insurer if the final bill is small).

I didn't know the option you say in brackets was possible. If I had known, I'd probably would have queried the total costs of my last accident.

Hows does one tell your own insurers about an incident (to meet terms and conditions) and negotiate with the third party on blame and costs (and agree) and make sure one side doesn't claim through insurance later on?

Quentin

You can inform your insurer of an incident and get them to mark it "no claim, for information only".

But it's hard to negotiate with a third party - (eg. under your insurance conditions you cannot admit liability), so let the insurers sort it out.

terryya

Only just discovered this thread today and whilst not wanting to go anywhere near the blame game can;t understand why people think it is impossible to strap two kids in without doing one from the roadside. We had a 5 door Focus and if needed I would lean through from the front to fasten them in. Seemples.

PS Can I have please have my perfect parent badge please?

flea72

terryya wrote: »

Only just discovered this thread today and whilst not wanting to go anywhere near the blame game can;t understand why people think it is impossible to strap two kids in without doing one from the roadside. We had a 5 door Focus and if needed I would lean through from the front to fasten them in. Seemples.

PS Can I have please have my perfect parent badge please?

its not possible to just lean through, you must have had to stand/kneel on the front seats to reach into the back, why go to all that bother just on the off-chance theres a careless driver about?

youve put your kids in the car, they arent strapped in, and you then jump in the front, unstrapped also, with the intention of doing it all the 'safe' way. some negligent driver rear-ends your car, and you all fly through the windscreen - so tell me, how would you get round this happening?

Flea

terryya

flea72 wrote: »

its not possible to just lean through, you must have had to stand/kneel on the front seats to reach into the back, why go to all that bother just on the off-chance theres a careless driver about?

youve put your kids in the car, they arent strapped in, and you then jump in the front, unstrapped also, with the intention of doing it all the 'safe' way. some negligent driver rear-ends your car, and you all fly through the windscreen - so tell me, how would you get round this happening?

Flea

Yeah, you're right I knelt on the seat and strapped them in. It isn't much bother when the alternative is the possibility of getting smacked by another car or your door. It isn't beyond the realms of possibility (especially for you -judging by the second part of you post) that the kids could have seen their mum crushed to death in front of them- "never mind kids at least she didn't have to worry about kneeling on the front seat to fasten you in, eh"

As for the even more ludicrous part of your post - I've got one of these fastened to the back of my car! :cool:

cyclonebri1

vikingaero wrote: »

Well the OP has witnesses which corroborate their version of events. And the third party wanted to go through insurance themselves and in all probability admitted liability on the claim form - otherwise the third party insurers would have sent a letter instead to the OP saying something along the lines of "We believe that you are liable in the accident and are responsible for the cost of repairs blah blah."

I thought everyone knew by now never to admit liability for an accident? Not for one that is to be addressed by the insurance route anyway. The insurer will insist in the small print that as they bear the cost, the liability issue rests with them. Also the claims form goes to it's own side in any dispute, even if the other driver admits liability, the insurer will not disclose it if against their interest :eek:

cyclonebri1

terryya wrote: »

Only just discovered this thread today and whilst not wanting to go anywhere near the blame game can;t understand why people think it is impossible to strap two kids in without doing one from the roadside. We had a 5 door Focus and if needed I would lean through from the front to fasten them in. Seemples.

PS Can I have please have my perfect parent badge please?

Unfortunately you just have, :rotfl:;)

cyclonebri1

flea72 wrote: »

its not possible to just lean through, you must have had to stand/kneel on the front seats to reach into the back, why go to all that bother just on the off-chance theres a careless driver about?

youve put your kids in the car, they arent strapped in, and you then jump in the front, unstrapped also, with the intention of doing it all the 'safe' way. some negligent driver rear-ends your car, and you all fly through the windscreen - so tell me, how would you get round this happening?

Flea

You must admit there is a far far greater chance of being hit whilst spending minutes with you rear end waving about in traffic oblivious to whats happening around you than there is from doing the same from the safe side?

Also being a bit pedantic here, in the case you offer above, you would go through the rear window and not the windsceen, but you wouldn't as the front and rear head rests would offer protection;). Anyway thats nit picking, the 1st points the important one, keep it safe,;)