Third party claiming damage to car and claiming on insurance

pottski

Morning all,

Sorry If this is in the wrong section. My partner went into the back on another car at her college and there was minimal damage. The girl in the other car demanded insurance details which my partner gave. My partner has not received a phone call saying the third party is claiming for personal injury. The Girl drove home and an ambulance was not called. Is this right?

Sorry to edit this post but I have just received an update for my partner, sorry to anybody who has replied!

Quentin

"Minimal damage" needs putting right. (And there may be more than minimal damage when the car is properly inspected).

Your partner is presumably liable, but her insurer will determine this, and ensure as best they can that they only pay for damage she has caused.

If she wants to retain her NCB, then she can reimburse her insurer their outlay over this.

pottski

Quentin wrote: »

"Minimal damage" needs putting right. (And there may be more than minimal damage when the car is properly inspected).

Your partner is presumably liable, but her insurer will determine this, and ensure as best they can that they only pay for damage she has caused.

If she wants to retain her NCB, then she can reimburse her insurer their outlay over this.

Thank you for your reply, I have edited my post as I have just received an update and she is now claiming for personal injury

Quentin

Your edit asks if it's right an injury claim has come in even though no ambulance was called to the scene, and the injured party drove away.

Yes, that is quite alright.

You don't need to be incapacitated at the scene before claiming compensation for an injury.

Now that a PI has reared up, I doubt reimbursing the insurer to retain the NCB will be a cost effective option!!!

pottski

Quentin wrote: »

Your edit asks if it's right an injury claim has come in even though no ambulance was called to the scene, and the injured party drove away.

Yes, that is quite alright.

You don't need to be incapacitated at the scene before claiming compensation for an injury.

Now that a PI has reared up, I doubt reimbursing the insurer to retain the NCB will be a cost effective option!!!

unfortunately so. Ironically my partner is at law school and it happened in the car park of the college! I find it ridiculous but I guess this is the society we live in now where people jump at the chance of receiving money by taking advantage of the system.

kingstreet

Has your Partner reported the matter to her Insurer?

It is likely her policy schedule says she should do so as soon as possible, not just wait for a claim from the other side.

pottski

kingstreet wrote: »

Has your Partner reported the matter to her Insurer?

It is likely her policy schedule says she should do so as soon as possible, not just wait for a claim from the other side.

She didn't. There was no damage to the car and the girl she hit was going to get the car checked for any damage. But now has decided to claim whiplash, the accident was under 5MPH in a car park. Hopefully common sense will prevail.

Alison_B

pottski wrote: »

Hopefully common sense will prevail.

I doubt it very much. My son scraped the bumper of the car in front of him (standing traffic) and both the occupants in the car in front have claimed for whiplash, tissue damage and over a week each off work.

pottski

Alison_B wrote: »

I doubt it very much. My son scraped the bumper of the car in front of him (standing traffic) and both the occupants in the car in front have claimed for whiplash, tissue damage and over a week each off work.

That's a joke. A couple years back I went into the back of my colleague in the snow at at least 15mph and we were both fine. The system is pathetic! My partner works part time, has had to borrow money for her course, paid for her car etc. The other person has had everything paid for by her parents and now they are claiming whiplash, pure greed.

Quentin

The whiplash will have presented itself sometime after the collision. The innocent party is entitled to compensation for this!

Read up on low velocity injuries to see the injury that can be caused at speeds of less than 5 mph. (Your body's threshold for damage is much lower than your cars!)

alistair.long

If you tell your insurance it was a "low volocity impact" and take pictures of where it was. also the damage on their car if you have pics, they may persue it as claims for "low volocity impact" are being challenged nowadays.