We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Car accident- strange one...
Comments
-
...You should NOT contact her insurer directly unless you have no insurance yourself; contact YOUR insurer and leave the case in their hands...
CoolMint,
The OP's insurance will not want to act as his unpaid claims handler, even if you think they should.
In these circumstances, the best advice is to claim directly against the other driver's insurance.
What happens when the lying starts may be another matter, but the OP has set this off on the right path.0 -
Under these circumstances you either have to stop and exchange details at the scene, (not done although can hardly be called a "hit and run"), so this was not complied with, or report it at a police station as soon as possible or at worst within 24 hrs.
In cases like this it is very important to get in 1st and you can bet your bottom dollar that she has had, or will get exactly the same advice.
It is in your own best interest especially if not at fault to carry this out.;)I like the thanks button, but ,please, an I agree button.
Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)
Always expect the unexpected:eek:and then you won't be dissapointed0 -
After considering the above I may report it tomorrow, I know it's late but I was unaware.... she may not even have been insured to drive it... she had a thick german accent, ok the van is insured by a charity but how do I know she is a named driver on that policy....
It is unlikely that would be the case, as the policy would be for any one employed by the policy holder, or who has permission, within the policy's criteria.they could now give the person who is insured to drive it as I probably won't be allowed to point out how she looked etc......
Why would you not be allowed to that?The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
NeverAgain wrote: »...You should NOT contact her insurer directly unless you have no insurance yourself; contact YOUR insurer and leave the case in their hands...
CoolMint,
The OP's insurance will not want to act as his unpaid claims handler, even if you think they should.
In these circumstances, the best advice is to claim directly against the other driver's insurance.
What happens when the lying starts may be another matter, but the OP has set this off on the right path.
Err....that is what one pays their insurance premium for.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
...Err....that is what one pays their insurance premium for...
And that's another very good point - if the OP likes paying extra premiums.
I am aware that years ago a driver would simply contact his own insurance, but things have moved on.
There have been instances of drivers contacting their own insurer, only to be told to use an accident management company.
The reason for this is driver's insurer knows the correct place for the claim is the other insurance company
Every driver with a comprehensive policy has a choice, the better choice in these circumstances is to claim direct from the other insurer in the first instance.0 -
NeverAgain wrote: »...Err....that is what one pays their insurance premium for...
And that's another very good point - if the OP likes paying extra premiums.
I am aware that years ago a driver would simply contact his own insurance, but things have moved on.
There have been instances of drivers contacting their own insurer, only to be told to use an accident management company.
The reason for this is driver's insurer knows the correct place for the claim is the other insurance company
Every driver with a comprehensive policy has a choice, the better choice in these circumstances is to claim direct from the other insurer in the first instance.
Yes, one provided for by the driver's own insurance company. Any costs would be recovered from the other party's insurers. Policy holders, in general, are obliged to inform their own insurers of any claims they make against someone else.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
Of course, even if the insurance company find in your favour (hopefully they will, owing to your witness), expect a premium rise next year.
As mentioned above, get the police involved. Leaving scene of accident without giving details = offence.0 -
StrongWork wrote: »Of course, even if the insurance company find in your favour (hopefully they will, owing to your witness), expect a premium rise next year.
As mentioned above, get the police involved. Leaving scene of accident without giving details = offence.
That is not always the case.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards