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urgent advice needed
Comments
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But how will her insurance company know she was commuting unless she tells them? Just because you are driving in rush hour doesn't mean you are commuting.If freedom is outlawed, only outlaws will have freedom.0
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of course, as soon as she does this then her insurance company will be suspicious that she was commuting at the time of the accident, yes?
They are going to be "suspicious" anyway if they ask for the purpose of the journey!
Will she become pesonally liable for anybodies costs?
She will if her insurer has to pay out to a third party after discovering she wasn't covered for the use the car was being put to.0 -
p00hsticks wrote: »But in turn, the car in front that she went into will be looking to her for their repairs
Not sure if this is correct. Ultimate liability should be against the car that caused the original shunt.
I was involved in a 3 car shunt, I was in the front car. The claim went against the person who caused the original shunt not against the person who hit me.0 -
Print_Screen wrote: »But how will her insurance company know she was commuting unless she tells them? Just because you are driving in rush hour doesn't mean you are commuting.
They investigate these things!0 -
But it's inevitable that your daughter's insurer is going to want to know the details of this incident, and if any claim from any party is made may well ask the purpose of the journey. This is when she might end up without cover for the incident.
Your daughter can be certain her repairs will be paid for by claiming off the car which hit her. Though should the car in front succesfully claim against her then her insurer could pay out but then come to her for reimbursement.
No they won't, they will claim it back from the car that hit her, it should not affect her at all.
They will always ask where she was going/why along with details of passengers etc.I am a mortgage adviser.You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Just from personal experience here but my Husband has been involved in 2 non fault accidents over the past 3 years or so and I always dealth with the insurance companies . Never once was he asked the purpose of the journey he was on when he was involved in the accident !
Maybe different companies have different rules . The company in question for us was Axa.The loopy one has gone :j0 -
No they won't, they will claim it back from the car that hit her, it should not affect her at all.
Although that should be the outcome of this multiple shunt (the car at the rear held responsible), no-one can be sure at this stage that the OP's insurer won't get a claim from the car she hit! And until resolved no-one can be sure who is held liable!
It does seem inevitable that the OP's insurer will get involved, which will mean they will want full details of the incident.0 -
Although that should be the outcome of this multiple shunt (the car at the rear held responsible), no-one can be sure at this stage that the OP's insurer won't get a claim from the car she hit! And until resolved no-one can be sure who is held liable!
It does seem inevitable that the OP's insurer will get involved, which will mean they will want full details of the incident.
Sorry I meant they will claim from the op's insurer, who will then claim back from the car that hit her.I am a mortgage adviser.You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
no-oneknowsme wrote: »Just from personal experience here but my Husband has been involved in 2 non fault accidents over the past 3 years or so and I always dealth with the insurance companies . Never once was he asked the purpose of the journey he was on when he was involved in the accident !
Does he have commuting included in his cover? And if he was not at fault his insurer wouldn't have been paying anyway!
This is a multiple shunt where an investigation will be needed to decide which party or parties are liable.0 -
Mrs_Arcanum wrote: »Never even realised there was an option that did not include travelling to and from your place of work.
Might want to check your insurance then if you commute...
It always used to be included (or seems like it) under "Social Domestic & Pleasure" then a few years ago they started asking if you would be commuting and added a new level in.
You need Social, Domestic, Pleasure & Commuting to be covered now. If you do any work running about you also need to add business too. Rip off really but not much you can do about it!
5t.What if there was no such thing as a rhetorical question?0
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