Car Insurance claim... skidded into the back of another car..

Soubrette

losgiganteskid wrote: »

I assume that when he had this incident you exchanged insurance details like you said and you would have notified your insurers of the incident, (as you are contractually obliged to do) - by doing this you have in effect given sanction for your insurers to deal with the incident in whichever way they feel appropriate, ie, pay the 3rd party claim in full, in part or repudiate on your behalf.

I notified them of the accident but said the the other driver had told us he would not be claiming.

I didn't go into any details, just described how our car had scraped the side of another car, the insurer said not to worry about it as the other party had said they would not claim.

I wish they'd told us that the other party had decided to claim though as this is one of the questions asked when looking at changing insurer.

I'll bet you thought I hadn't bothered notifying our insurer

Quentin

losgiganteskid wrote: »

Clearly you have now changed your mind then !!

How come? With third party insurance you have no protection under the policy for any damage done to your own property.

I suspect you know that and are just enjoying the trolling!

losgiganteskid

Soubrette wrote: »

I'll bet you thought I hadn't bothered notifying our insurer

You would of lost your bet then !! - by "reporting" the incident to your insurers you in effect sanctioned they deal with any claim made against you from a third party - clearly a claim arose and your insurer paid

losgiganteskid

Quentin wrote: »

Don't know what point you are trying to make, but if you take out third party only insurance, it is clearly for the protection of others!

You have/should been educated on this thread that you are incorrect in making this statement - the purchase of third party liability cover is for the purchasers protection, no one elses !!

Quentin

losgiganteskid wrote: »

You would of lost your bet then !! - by "reporting" the incident to your insurers you in effect sanctioned they deal with any claim made against you from a third party - clearly a claim arose and your insurer paid

All insurance policies require you to report all incidents to the insurer - though you know that too!

Forgetful

Thanks for all ur helpful answers....
Sorry there is a dispute going ,, but in a way it helps us to see that insurance is a complex issue and i am sure all mse readers are learning somthing new..

Quentin

To get back to your original question, you won't have to pay anything if the third party makes a claim. Your insurer will deal with it.

You will though see your next premium rise as (unless protected) your NCD will be affected. And expect the claim to mean a loading on your premium, irrespective of whether or not your NCD is affected.