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insurance advice - not at fault
Comments
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Insurance premiums are increased for non liability accidents, they take the view that you may not hold legal liability but you somehow shared in the blame for what happened by driving in a bubble and not paying attention to what other drivers are doing and driving behind a reversing car is seen as the height of stupidity as you would not drive in front of it ! so why drive behind it.
So yes your premiums will increase.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
Insurance premiums are increased for non liability accidents, they take the view that you may not hold legal liability but you somehow shared in the blame for what happened by driving in a bubble and not paying attention to what other drivers are doing and driving behind a reversing car is seen as the height of stupidity as you would not drive in front of it ! so why drive behind it.
So yes your premiums will increase.
The car was parked on the opposite side of the road with no one in it at the time it happended - but I agree that I will come into a Category which the insurance company will will label as a risk. Only in to the 3rd day of my annual policy so no renewal due for a while yet thank god!0 -
Also, the 3rd party has up to 90 days to report the incident before you can recover losses too!
...which is very convinient, Mrs. S! Thanks for not ringing Aviva yet after 16 days.0 -
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.
It is perfectly correct (and explained clearly, I think)
I cannot see any advantage to the OP of going through her own insurer.0 -
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update......its going through the 3rd party now. Been contacted by their insurer this evening and they are now sorting it
:j0 -
Pleased you have it sorted, though perplexed that the only post you have "thanked" was the poor advice you were given in post #2!0
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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.
Not true about the NCD.
Read the key facts of your car insurance policy.
Different insurers do it differently.
Some don't penalise you for non-fault claims, others penalise you for claims regardless of fault, and others penalise you for notifiable incidents and claims.I'm not cynical I'm realistic
(If a link I give opens pop ups I won't know I don't use windows)0 -
Not true about the NCD.
Read the key facts of your car insurance policy.
Different insurers do it differently.
Some don't penalise you for non-fault claims, others penalise you for claims regardless of fault, and others penalise you for notifiable incidents and claims.
This is just poor advice and unneccessarily scaremongering.
Don't know any insurers that penalise your NCD permanently for non fault claims (if you are defining "non fault" as an incident when the insurer gets full reimbursement of their outlay from a third party), or any that will penalise your NCD "regardless" of fault (once your insurer is reimbursed then your NCD will be unaffected), and no insurer will penalise your NCD for merely notifying them for "information only", assuming no claim is made!
Which insurers key facts have you read saying this???0 -
Some don't penalise you for non-fault claims, others penalise you for claims regardless of fault, and others penalise you for notifiable incidents and claims.
I think Olly may be getting confused between NCD and premium loadings.
You only lose NCD if you make a claim (and it's re-intated when claims are recovered in full).
However many insurers will penalise you and load your premium for non-fault accidents where you haven't claimed.0
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