Accident on private land - Insurance ??

workingboy

If there is an accident between 2 vehicles on private ground, could be argued as knock for knock (niether side accepting liability).

Is there a requirement for the Insurance companies to be informed.

thanks

Kurtis_Blue

Knock for Knock is both parties accepting 50% responsibility, if you are accepting NO responsibility you should claim from their insurance and visa versa.

Private land with public access is the same as the public high ways.

drew2k9

I would inform them anyway and explain the situation just to be on the safe side. i think PI claims could still be made, but not sure so best to check with the insurer. if you ring up ask to speak to someone in the claims dept and explain the situation, but maybe dont give them your details, to see if they will tell you so as not to loose any NCB unnecessarily.

its always best in the longrun to inform your insurer asap no matter what the accident type or who was at fault or where etc, incase it comes back to bite you in the future.

workingboy

thanks,

But what would be classed as Public Access where this occured in a Club car park for use by its members only.

Anyone found parking in this car park who is not a member, is asked to leave.

thanks again

Kilty_2

The public can gain access to it - I assume there's not a barrier which only lets members in etc.

So it's similar to a supermarket car park - in which case the law still stands and it should be reported to either the Police or the insurers...

If both parties know each other and are willing to come to an agreement then I'd maybe not actually report it though.... (but as said, this could come back to seriously bite you)

sebdangerfield

A public place for this act is somewhere to which the public have access for payment or otherwise, the club in this matter would almost certainly be a public place.

Interestingly (or not!) A pub carpark has been held to be a public place whilt it is open and allowing customers in but not a public place when the pub is closed.

Nilrem

That sound abou right sebdangerfield, especially if the pub carpark had any form of barrier out of hours (a lot around here do, even if it's just a chain that is pulled across and locked to prevent people parking up overnight).

A gated field for example would normally be private, but if there is an event going on (fair/market etc) that results in the gate being open, or the public having free access, even if it's just one day, is classed as being "public" in the eyes of the law, for the duration the public have unfettered access to it.
IIRC that applies for both insurance and things like licence matters.