Another claim against me in 4 months! Help!

custardy

tbs152 wrote: »

No, of course I won't try to get out of it.

It's just annoying that there was such minor damage and she wants to go through the whole insurance process.

in that case you should offer to cover the damage at the first instance
once the other party has gone the first thing they are likely to do is contact the insurer

tbs152

Inactive wrote: »

No, but I bet your renewal quote next time will make your eyes water.;)

Yes, I've run my details (including this claim) through Admiral's quoting system and they will still give me a better monthly price than DL, even with 2 claims and 0 NCB.

Weird no?

lisyloo

DL cannot rfuse your/her claim.

Be aware that there MAY be bumper/other damage and she might even have whiplash, so it might not be just a few quid for a light.

I know there have been jokes about driving, but you might consider doing a course with ROSPA or IAM.
They are charities and are pretty cheap and the qualification you get is recognised by insurers and gives you a discount.

Make sure you check the Admiral quote fully in case anything has been left off, but if you've got a decent quote then I'd be very thankful.

anewman

Wait for the whiplash claims from her and 4 passengers!

tbs152 wrote: »

I refuse to place the blame at the feet of my impeccable driving skills.

It's the bloody ice's fault.

Some tips you may have missed...

http://news.bbc.co.uk/local/surrey/hi/front_page/newsid_8424000/8424308.stm

Phlik

tbs152 wrote: »

Any advice welcome!!

Thanks all

tbs152

Stop crashing into other cars? You could ask for the money back from your driving lessons to help pay for it? :
D. Phlik

DirectDebacle

Unfortunately there are some types of skid that you cannot control whatever your driving skill level is.

anewman

DirectDebacle wrote: »

Unfortunately there are some types of skid that you cannot control whatever your driving skill level is.

By going cautiously and using the controls appropriately, you can get some sort of movement out of most skids. Common thing is for people to slam on the anchors which is the worst thing you can do.

Watch http://www.youtube.com/watch?v=7MPRmOUxRMY (someone else posted in another topic) had they eased off the brakes they'd have been able to steer and control somewhat better. Instead they cacked their pants, hoped brakes would work, when they didn't they jumped out.

DirectDebacle

I think you misunderstood my post.

anewman

DirectDebacle wrote: »

I think you misunderstood my post.

Not really, you said there are skids you can't control, I suggested there is always something people can do to try and control skids to a certain degree - and that many people do the wrong thing or haven't informed themselves about what they should do if a skid should occur.

JQ.

In response to your question - yes they will load your quote and whilst doing the repairs outside of your insurance is probably the cheapest in the short term, possibly not in the long term. You could probably get it fixed for less than £100, which I'm assuming is lower than your excess.

The problem comes in 6 months time when the other party makes a claim for whiplash. Your insurance co. may try to wriggle out of paying because 1. you did not inform them of a crash and 2. you admitted liability, by paying for the repairs. That could leave you with a bill for £000's.

I'm not an insurance expert so don't take my word as gospel - but that's what I'd be worried about if I was in your shoes.