Daughter's had a car accident

lisyloo

No it just affects how much is paid out which in turn puts everyones premiums up.

Absolutely I agree. I was just saying that the OP shouldn't panic as they aren't paying directly.
Of course there are consequences and they should do everything within their power to minimise them.

You also then have to disclose a greater final claim amount to your new insurer which could be seen as more of a risk... a claim settled at £500 or £50,000... which would you prefer to underwrite?

The OP should definitely present any evidence they have and their version of events.
Other than that, they have very little influence over what happens.

whatyadoinsucka

it may be worth disputing it and see what your insurer does.
I successfully won a case (when with admiral) were a vicar (in his dog collar) pulled out of a side road (to my right) and then immediately indicated left off the main road (side roads about 10 metres apart), i crashed into the back of him, but i disputed he'd pulled out onto a 60mph main road and had cut off my breaking distance, thus I had no choice but to crash into his rear (as it where)
It took 14 months but i won !!

one piece of advice never crash into a taxi or a man of the cloth

I also had a crash in my youth from a side road, car came out of nowhere, in a 30mph he hit me at i'd guess 45mph, my car span right round, Disputed but lost

no-oneknowsme

lisyloo wrote: »

My understanding is that if she was over the white line then she will be at fault even if someone crashed into her.
So the question is was she over "the line" or not.
If she was edging out then it sounds like she could have been.



Whilst anything like this is fraud and should be reported, it won't really affect your daughter.
Whether there are 3 injury claims or 1 won't make any different.[/QUOTE]


It actually would make a difference !

If the insurance company has to pay out three personal injury claims it is going to affect the OP's daughters policy much , much more than if they were only paying out for one claim !

OP, i tell you this from experience.

lisyloo

OK, let's go with what you say
(The pricing modesl must have changed since I did my quotes with varying levels of claims).
This is the thing, insurers can change their pricing models at any time, so anyone's experience is pretty much invalid instantaneously.

I won't edit my posts else it will make the thread not make sense.

flimsier

dazzadub wrote: »

i would defo say it will be a write off, and also depending on damage would determine what band its put into.

most d and c write offs dont really have to much damage, and it may fall into a b

you can buy the car back, but if you were to sell it you would need to tell buyer it was previous write off, which will reduce amount you can sell for by as much as %30

i used to work in this field.

id would say the repairs would cost more than its value by a good few hundred quid.
if you have money and dont need to worry to much about pay outs form insurance then dont go that route but her insurance will need to cover the cost of taxi drivers car, which in turn will put a mark on her file.

her insurance will rocket when its renewal time.



me i would, try settle with tax driver which may be very expensive as he could claim loss of earnings etc.

i wouldnt of admitted liabilty

I did this - very similar circumstances about 6 months ago. It took 4 months to settle, I was 100% at fault, and the settlement was over £8000 (her car was worth almost nothing, this was all medical bills, even though she wasn't injured until she spoke to her husband who told her to have a bad back).

I was insured on 3rd party, fire and theft so had to pay another £1700 to fix my car.

pompeyrich

no-oneknowsme wrote: »

Whether there are 3 injury claims or 1 won't make any different.[/QUOTE]


It actually would make a difference !

If the insurance company has to pay out three personal injury claims it is going to affect the OP's daughters policy much , much more than if they were only paying out for one claim !

OP, i tell you this from experience.

Well my son had a crash, totally his fault, 2 cars written off + a PA claim, hire car etc. When we were looking at renewals, before the claim was settled, we put in 1 at fault accident, the site wanted an approx settlement figure, so we entered, 5k, 10k, 20 k etc. The policy quote didnt change until we hit 60k when insurance was no longer available "due to the driving history of the proposer".

jimjames

If she hasn't already admitted liability to the taxi driver then she should certainly avoid doing so.

In terms of value of the car the chances are that your value for it and the insurance companies are likely to be quite different. As mentioned above you may struggle to get much after your excess has been taken off. Anything you can do to prove it was more valuable is worth doing eg proof of service history, condition of car prior to crash, money spent.

All can be used along with Autotrader prices of vehicles being sold to increase the valuation. In my experience Admiral have been very good in taking condition into account once their initial valuation is queried. On my last car it was increased by £500 over their offer (nearly 25%)