insurance advice - not at fault

greggp_2

My wife was picking up my little girl today and the neighbour across the road reversed into our driver door, she has obtained insurance details and the lady has admitted to doing this.

What is the next step please?

1. Do I notify our insurance company?
2. Do I make contact with the the lady who hit car imsurers also?


Any advice appreciated please

Thanks

Tammer

Hi,

You just need to contact your insurance company. They will do the rest - that's what you've paid them for (as people often say on this forum).

Tammer

greggp_2

thanks.
Just didnt want it to affect my no claims etc. Take it they will liase with the other partys insurance company etc

sarahg1969

Tammer wrote: »

Hi,

You just need to contact your insurance company. They will do the rest - that's what you've paid them for (as people often say on this forum).

Tammer

The T&Cs of your contract will say that you should report it, but you do not necessarily need them to "do the rest". If you make a claim under your own policy, your NCD will be affected. If you report it to your insurers for information purposes only, you can pursue the other driver, through her insurers. It will probably still affect your premium when you come to renew, but your NCD will be intact.

I'd personally report it for information purposes, and then get the other driver's insurers' details and contact them so that they can arrange the repairs.

Quentin

Tammer wrote: »

You just need to contact your insurance company. They will do the rest - that's what you've paid them for (as people often say on this forum).

That's not what people "often" say here!

There are many advantages in pursuing a claim like this directly with the TP insurer and not using your own insurer!

sdt1986

sarahg1969 wrote: »

The T&Cs of your contract will say that you should report it, but you do not necessarily need them to "do the rest". If you make a claim under your own policy, your NCD will be affected. If you report it to your insurers for information purposes only, you can pursue the other driver, through her insurers. It will probably still affect your premium when you come to renew, but your NCD will be intact.

I'd personally report it for information purposes, and then get the other driver's insurers' details and contact them so that they can arrange the repairs.

This is somewhat incorrect, or at least explained poorly.

She has admitted fault, you go through your insurance company and you do get them to do the rest. They will pay for your car sorting out, however as she has admitted fault they will recover the money from her insurance company thus resulting in a non fault claim meaning it doesn't make diddly squat of difference to your ncd.

Quentin

sdt1986 wrote: »

She has admitted fault, you go through your insurance company and you do get them to do the rest. They will pay for your car sorting out, however as she has admitted fault they will recover the money from her insurance company thus resulting in a non fault claim meaning it doesn't make diddly squat of difference to your ncd.

If you claim off your own insurer, then your NCD is reduced until the matter is concluded and your insurer receives full reimbursement.

This has consequences for the "innocent" party should their renewal come due whilst the matter is being resolved.

Additionally when you claim off your own insurer, you still have to pursue the third party for your uninsured losses (including the return of your excess!).

But if you go direct to the third party, you have no excess to pay, and no (temporary) loss of NCD!

PDAH

I would claim against the other party direct, no excess to pay or ncd issues particularly if your renewal is in the next 3 months!

sdt1986

Quentin wrote: »

If you claim off your own insurer, then your NCD is reduced until the matter is concluded and your insurer receives full reimbursement.

This has consequences for the "innocent" party should their renewal come due whilst the matter is being resolved.

Additionally when you claim off your own insurer, you still have to pursue the third party for your uninsured losses (including the return of your excess!).

But if you go direct to the third party, you have no excess to pay, and no (temporary) loss of NCD!

I'm not from a claims background.... I didn't realise you could go direct to the other person if they have admitted liability. So do you only go to your own insurer if it's in dispute or your fault?

Thanks

Quentin

sdt1986 wrote: »

I'm not from a claims background.... I didn't realise you could go direct to the other person if they have admitted liability. ...

So why post this in your "authoritative" manner if you don't really know what you are talking about?

sdt1986 wrote: »

This is somewhat incorrect, or at least explained poorly.

Do a search to see the advantages of not using your own insurer when liability is clear cut.

sdt1986

Quentin wrote: »

So why post this in your "authoritative" manner if you don't really know what you are talking about?



Do a search to see the advantages of not using your own insurer when liability is clear cut.

Because I'm still right, there is an alternative which I wasn't fully aware of but I'm still 100% correct in everything I've said.