Daughters car involved in an accident

hermum

My daughters car was hit a couple of weeks ago, completely the other drivers fault, other driver admitted liability & asked my daughter to not go through the insurance as she would pay for the damage herself. Other driver was in a courtesy car as hers was being repaired & she didn't want the garage to know she'd had an accident in their car.
Other driver sent someone she knows out to give an estimate on the damage, he only does body work & couldn't repair the damage.
My daughter then took the car to a garage & the estimate came out at around £800, the woman then said that she didn't think the car was worth it & now wants to go through the insurance.
The car was bought for £1,200 3 weeks before hand, my daughter has receipts to prove this.
My daughter didn't report this to her insurance company as it was being dealt with by the other driver, should this have been done this at the beginning?
Is she likely to lose her no claims & next years premium to go up because of this?
A witness stopped & gave his details to my daughter in case she needed it.
Does she now just contact her ins co & give details of the other driver?
Thank you for any advice.

davetrousers

Can you edit the use of 'she' a bit please?

Your daughter should have informed her insurance straight away. Best get onto it asap

[Deleted User]

I'd always go through the insurance for things like this. Unless they gave you a large chunk of cash there and then.

You can almost always guarantee that the person who didn't want to go through the insurance will mess you around. Just like they have.

hermum

davetrousers wrote: »

Can you edit the use of 'she' a bit please?

Your daughter should have informed her insurance straight away. Best get onto it asap

What word or words would you prefer please?

davetrousers

By using She there is some ambiguity in what you say, I initially understood She as referring to your daughter. Maybe say the other lady/party.

Strider590

hermum wrote: »

My daughter then took the car to a garage & the estimate came out at around £800, the woman then said that she didn't think the car was worth it & now wants to go through the insurance.
The car was bought for £1,200 3 weeks before hand, my daughter has receipts to prove this.

The insurance will most likely declare the car a write off, the quote for insurance repairs will be around 2 or 3 times that of a private one (so around £1600-£2400).
It's all about profit for the insurance companies.

hermum

Strider590 wrote: »

The insurance will most likely declare the car a write off, the quote for insurance repairs will be around 2 or 3 times that of a private one (so around £1600-£2400).
It's all about profit for the insurance companies.

Will my daughter get back the amount paid for the car do you know or the opportunity to buy it back cheap & enough money to get it fixed herself?
The car is several years old but only had one owner & I think has under 40,000 miles on the clock. The chances of finding another that good at that price etc is zilch.
Any idea whether a no fault accident will have any effect on her insurance premiums?
Thanks

Dippypud

If your daughter was in a courtesy car, it wasn't "hers" to decide not to go through the insurance.

Especially as the other driver addmitted it.

I was hit, " T-boned" on the right rear wheel several months ago, my vehicle was on lease and the other party wished to not go thru the insurance as he is a young fellow. Told him sorry can't the car is not "mine". Apart from the fact I didn't fancy driving round on an alloy wheel that had been clumped with the front of an MG.

Lum

Your daughter has the choice of either asking her own insurance to handle the claim on her behalf, approaching the other person's insurance and making a claim directly off them, or going to a 3rd party claims company, like a no-win no-fee lawyer or something.

The advantage of not going through your own insurance is you don't lose your NCB while the claim progresses, the 3rd party insurance will also find it a lot harder to forcibly write the car off, the disadvantage is the risk if the other insurance company messes you around.

She can then just notify her insurance "for information only".

cajef

Dippypud wrote: »

If your daughter was in a courtesy car, it wasn't "hers" to decide not to go through the insurance.

Erm!!!!!!!

hermum wrote: »

Other driver was in a courtesy car as hers was being repaired & she didn't want the garage to know she'd had an accident in their car.

hermum

Dippypud wrote: »

If your daughter was in a courtesy car, it wasn't "hers" to decide not to go through the insurance.

Especially as the other driver addmitted it.

I was hit, " T-boned" on the right rear wheel several months ago, my vehicle was on lease and the other party wished to not go thru the insurance as he is a young fellow. Told him sorry can't the car is not "mine". Apart from the fact I didn't fancy driving round on an alloy wheel that had been clumped with the front of an MG.

My daughter was in her car, the other driver was in a courtesy car.
I've changed the wording to prevent that confusion on the advice of another poster.