LV Car insurance advice please?

cornrob

Hi,

I have very limited knowledge of how car insurance works and have had my first prang today.

I bumped into the driver in front after he did an emergency stop after a car pulled out of a blind side road.

I understand that i caused that damage to his car.

But need some advise. LV car insurance said that because they class me as liable that I would have to pay the bill for the damage on his car and LV will cover the damage to my car.

Is that correct, that i should have to pay for his damage, is that not what my insurance is for? (i am fully comp)

Sorry if this is stupid is just i haven't ever hit anyone before

Thanks

vaio

if it was your fault then your insurance will pay for the damage to the third party

if you have fully comp insurance then they will also pay for the damage to your car although you will have to pay whatever excess your policy has.

cornrob

So are they trying it on by telling me i have to pay?

huckster

I think you have misunderstood or they did not explain it well. If you have comp cover and are liable, LV will pay for the damage to your car and the third parties.

cornrob

Thanks guys, was bricking it for a minute. was thinking that there was little point for insurance if that was the case.

Thanks to huckster and vaio

LV=_company_representative

Hi there. If you want to speak to one of our telephone advisers, they'll happily explain the position on your claim. The number is 0845 640 5295. Regards.

adamc260

LV=_company_representative wrote: »

Hi there. If you want to speak to one of our telephone advisers, they'll happily explain the position on your claim. The number is 0845 640 5295. Regards.

Gotta love those 0845 numbers!

vaio

every penny counts (especially as they lose so much on the insurance side)

pinkpig08

Alternatively you can call them for free on 0800 374 028