Third Party iS Liar

Quentin

Up_For_Grabs wrote: »

....... my current insurers actually want to increase my premium because of it!!! Needless to say they will not be my Insurers for much longer.

This would have happened with any insurer. The incident changes your history and alters your risk profile.

When you are shopping round for quotes you do need to declare this non fault incident.

Up_For_Grabs

Quentin wrote: »

This would have happened with any insurer. The incident changes your history and alters your risk profile.

When you are shopping round for quotes you do need to declare this non fault incident.

Thanks for the advice. I actually have shopped around already for other quotes and have told them that I have had a 'non fault' accident.
One large Insurance company I have been in contact with were surprised that my current insurers want to up the premium and said that this is not their policy. They have quoted me a price that is better than my current insurers original quote before they were told of the accident.
My current insurers were very keen with their premium last year so I wasn't actually paying over the odds for my current cover.
It's bad enough that you get all the hassle an accident causes if it is actually your fault but when it is someone elses fault then that's a whole different thing:mad:

dacouch

Up_For_Grabs wrote: »

Thanks for the advice. I actually have shopped around already for other quotes and have told them that I have had a 'non fault' accident.
One large Insurance company I have been in contact with were surprised that my current insurers want to up the premium and said that this is not their policy. They have quoted me a price that is better than my current insurers original quote before they were told of the accident.
My current insurers were very keen with their premium last year so I wasn't actually paying over the odds for my current cover.
It's bad enough that you get all the hassle an accident causes if it is actually your fault but when it is someone elses fault then that's a whole different thing:mad:

I would treat the "advice" from most customer service staff with healthy scepticism as they have very little actual insurance knowledge and tend to tell you anything to get the deal. Out of interest run a quote through with the same Insurer for exactly the same details but with no mention of a claim / accident and see if there is any difference in premium. I would not be surprised if the same insurer quote you a lower premium.

forgotmyname

Get a witness, Harder than it sounds these days.

I witnessed an accident, The driver at fault said it wasnt his fault so the victim asked a taxi driver and a driving instructor who were in the lane next to him, Both declined & drove on when the lights changed.
I pulled over & gave my details but never heard anything from it.

Up_For_Grabs

dacouch wrote: »

I would treat the "advice" from most customer service staff with healthy scepticism as they have very little actual insurance knowledge and tend to tell you anything to get the deal. Out of interest run a quote through with the same Insurer for exactly the same details but with no mention of a claim / accident and see if there is any difference in premium. I would not be surprised if the same insurer quote you a lower premium.

Appreciate what you say. Yes out of interest I will do that.
I will be glad to put an end to all of this finally.

lisyloo

We want to know what the insurers will be looking or do they just take a decision based on the details we send in.

What I have been trying to explain is that they simply will not spend thousands trying to work it out.
Let's say (for examples sake) that the damage is £1K and the cost of getting forensics, lie detectors etc. is £10K. Which do you think they will choose?
Most likely with no evidence they will go for the easy option.
So unless there is something BLATANT (like the police report says one car had bald tyres for example) then they aren't going to do a CSI job on it.
If you have something definite that points to a definite lie then you should present it, but it sounds like (sorry) the other person is more articulate and better at putting their case.

it's a 50mph roundabout so I can't stop for pics

So there is absolutely nowhere within a mile that you can park and walk??
It doesn't sound to me like you can really be bothered here.
I would just give up if I were you and take it on the chin.

I'm sending in some pics, but accident happened last year & things have changed.

Blimey, you haven't been very motivated.
Give up now.
Getting the result you want will involve real effort. Possibly parking the car a mile away and walking for 15 minutes. It really doesn't sound to me like you can be bothered to do that.

Get a witness, Harder than it sounds these days

I'm not saying it's easy.
What I'm saying is that you should make "best efforts" if in a position to do so (not incapacitated), because it can make the difference between winning and losing.
I would always stop for another motorist and would urge others to do the same even if late for work as it makes SO much difference.

wacko911

I got one for these
http://www.pama.com/products/productDetail.asp?productcode=TEYE
from eBay for £250.

Prolly not worth the cash (more than insurance excess) but in the event of a non-fault accident there is no disputing it.

Irony

Sounds like someone needs B6 lisyloo.

lisyloo

Sounds like someone needs B6 lisyloo.

B6?
Vitamin B6?
Who needs it? What for?
????????

Nednats

lisyloo wrote: »

If you have something definite that points to a definite lie then you should present it, but it sounds like (sorry) the other person is more articulate and better at putting their case.

Have done.
But I'm not writing pages like the third party.

lisyloo wrote: »

Getting the result you want will involve real effort.

Ok. What else can I do? Any Ideas?