Motor insurance quote; how do I know whether accident was my fault?

jd82

The insurance will always pay out to a third party but if the causer of the crash defaulted on the T&cS then the insurance company could see the driver for losses.

If I was drunk and crashed into Mr Smith my insurance company will pay mr Smith out but may come after me for the money. Not sure how often this happens and it would be decided in court. The judge would then have to decide on the outcome.

neil9327

Hammyman wrote: »

Who was at the controls? You. Therefore you were to blame. Do you honestly need to be told this?

Of course I do. Why else would I be asking the question. durr.

Hammyman wrote: »

LOL, I love the straw grasping. Cars don't crash from hitting potholes, lorries don't leak enough oil to cause that and if they did you'd see it and there's not been any reports of bridges collapsing lately.

Give it up. You've had a claim. You've lost your NCB. Learn to drive and then you will get cheaper insurance.

A quick Google brings up links to all of the above, so I don't agree with you.

neilmcl

Bottom line, any claim made where the insurance doesn't/can't recover costs from a thrid-party is classed as a fault claim. Simples.

Hintza

The more I read on here the more I realise the less you say to insurers the better.

Anything you do say is used as evidence against you and they raise your premium.

Gavin83

Hammyman wrote: »

Give it up. You've had a claim. You've lost your NCB. Learn to drive and then you will get cheaper insurance.

He didn't make a claim though.

Thing is, if you do make a claim in the future, how would they ever find out about a crash you had that didn't involve anyone else? I have to wonder at times where insurance companies would get this information from.

Also, at what point does an accident involving just yourself and no claim become an accident? Would you have to declare to the insurance company and lose your no claims if you reverse into a post? What about if your wheel clips the curb?

Im sure most people have had 'accidents' on their own before and I very much doubt it would be reported to the insurance company.

I really wouldn't bother declaring anything unless I had to involve the insurance or the police.

Gavin83

Hintza wrote: »

The more I read on here the more I realise the less you say to insurers the better.

Anything you do say is used as evidence against you and they raise your premium.

Pretty much. There is simply no reason for them to know other than for them to raise your premium.

bigjl

Here is the facts, if you had a minor bump, didn't claim and didn't inform your insurance company then there is no record of the incident and it can't be traced.


If you had a minor bump and didn't claim but informed your Insurance company then there will be a record of it, and this information will be used in relation to the premium you are quoted.


You say that you have informed the Insurance co at the time, therefore it will be on the database, if you don't tell them they will insure you, but if you have a claim then they will check the database and invalidate your policy.


I am an advanced driver, accidents can be caused by many things, but if you are driving and have an accident after hitting oil or a pot hole then you will be at minimum partially responsible.

But you didn't say what the cause of your accident was, so a reasonable assumption is that you misjudged something and collided with something.

I honestly can't see why somebody aged 43 would need to be advised on something so trivial, or is this just another troll.

harveybobbles

If the OP had a crash but didnt tell the Ins co, then they wont know any different. So just say you havent had any crashes.

But without knowing what/who you crashed into then we cant help much with out more info.

neil9327

Gavin83 wrote: »

Thing is, if you do make a claim in the future, how would they ever find out about a crash you had that didn't involve anyone else? I have to wonder at times where insurance companies would get this information from.

One way that this could happen is if the car is taken away for analysis after a second crash, they might notice the damage from the earlier crash and identify it as such.

bigjl wrote: »

I honestly can't see why somebody aged 43 would need to be advised on something so trivial, or is this just another troll.

Well you learn something new every day don't you. I'm not a troll.

forgotmyname

How much to cross your bridge?

Do you guarantee it wont collapse and wreck my no claims discount?