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insurance advice - not at fault

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Comments

  • vax2002
    vax2002 Posts: 7,187 Forumite
    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 ForumTeam
  • greggp_2
    greggp_2 Posts: 172 Forumite
    vax2002 wrote: »
    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!
  • fozzeh
    fozzeh Posts: 994 Forumite
    Part of the Furniture Combo Breaker Home Insurance Hacker! Car Insurance Carver!
    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.
  • sarahg1969
    sarahg1969 Posts: 6,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 25 November 2011 at 6:58PM
    sdt1986 wrote: »
    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.
  • sarahg1969
    sarahg1969 Posts: 6,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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. Thanks

    In which case, it's probably not a good idea to give advice, stating that someone else's is incorrect.
  • greggp_2
    greggp_2 Posts: 172 Forumite
    update......its going through the 3rd party now. Been contacted by their insurer this evening and they are now sorting it
    :j
  • Quentin
    Quentin Posts: 40,405 Forumite
    Pleased you have it sorted, though perplexed that the only post you have "thanked" was the poor advice you were given in post #2!
  • olly300
    olly300 Posts: 14,738 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    sdt1986 wrote: »
    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 :p

    (If a link I give opens pop ups I won't know I don't use windows)
  • Quentin
    Quentin Posts: 40,405 Forumite
    olly300 wrote: »
    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???
  • lisyloo
    lisyloo Posts: 30,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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.
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