I hit my car into my house wall....AAAARGHH

Inactive

Dangermac wrote: »

Sally, would suggest that you enrol in a literacy class at your nearest colleage (reading module would be good).

Oh the irony.. :rotfl:

Dangermac

Inactive wrote: »

Oh the irony.. :rotfl:

dont understand. please explain

Inactive

Dangermac wrote: »

dont understand. please explain

I will spell it out for you;;)

C...O...L...L...E...G...E.

You were telling someone to enrol in a literacy class.:rotfl:

Dangermac

Inactive wrote: »

I will spell it out for you;;)

C...O...L...L...E...G...E.

You were telling someone to enrol in a literacy class.:rotfl:

thank ewe!

Miss_Qwerty

Just out of interest what is the damage to your house? And more importantly, where can I get a car like yours?

darich

Dangermac wrote: »

How on earth will this claim end up on the guy's car insurance when he caused the damage?

Car Insurance covers Own Damage + 3rd Parrty Damage. There was no 3rd party involved.

Aren't you supposed to tell insurers of all accidents and/or losses regardless of fault when you get a quote for a policy?
Given there is damage to the house that will be a loss (which occurred while the insured was driving) regardless of who caused it.
That being the case I would have thought that when car insurance renewal comes up, it'll have to be declared and could well increase the premium.

Dangermac

darich wrote: »

Aren't you supposed to tell insurers of all accidents and/or losses regardless of fault when you get a quote for a policy?
Given there is damage to the house that will be a loss (which occurred while the insured was driving) regardless of who caused it.
That being the case I would have thought that when car insurance renewal comes up, it'll have to be declared and could well increase the premium.

it should be declared to the motor insurers, but that doesnt mean that they will pay for the wall! No 3rd party involved

darich

Dangermac wrote: »

it should be declared to the motor insurers, but that doesnt mean that they will pay for the wall! No 3rd party involved

I appreciate that they may not pay for the wall but I you suggested that it wouldn't end up on dis driving insurance records when you said "How on earth will this claim end up on the guy's car insurance when he caused the damage?".
I'm suggesting that it will.

Who pays for it is another matter entirely!!

If I had comprehensive insurance and it was me, I'd expect my car insurance to pay out. From the buildings insurer's perspective, the accident was not their fault so they'd be looking to claim back all costs.

Quentin

darich wrote: »

If I had comprehensive insurance and it was me, I'd expect my car insurance to pay out. From the buildings insurer's perspective, the accident was not their fault so they'd be looking to claim back all costs.

Your expectations would be thwarted!

As has already been explained (and is written for you to read in your policy!), the policyholder and named drivers are not covered under the policy for any damage they do to their own property!

cogito

Dear me - there are some numpties on this thread.

Car Insurance covers Own Damage + 3rd Parrty Damage. There was no 3rd party involved.

Is absolutely correct. There is no way that the motor insurers will concern themselves with damage to the property.

The home insurer will assess if there is any prospect of subrogation. On the basis that the driver also owns the home, clearly there would be no prospect of recovery. Only an idiot claims processor would try to pursue this route.

I wouldn't lay long odds against this.

On some policies impact is only covered if by Third Party Vehicle

True but irrelevant.