Help! Car accident and Insurance

victor2

Sounds like he's one of those drivers who gesticulates a "get out of the way or I'll hit you" and you didn't, so he did. In which case he's an idiot and will probably realise that one day.
As others have said though, inform your insurance company. You've already wisely informed the police. If the damage is going to cost significantly more than your excess, then claim through your insurance and let them deal with the third party.
If your NCD is not protected, you will lose that through claiming, so weigh up if it's worth making the claim.
Unfortunately, your premium is almost bound to increase as you've been in an accident, not much you can do about that, other than shop around at renewal time, but be honest. Insurers only look into policy holder's details in depth if you claim and you don't want a future claim to be jeopardised because you didn't tell them everything they asked.

neilmcl

victor2 wrote: »

If your NCD is not protected, you will lose that through claiming, so weigh up if it's worth making the claim.

Not if he claims against the third-parties insurance (if he does indeed have insurance).

Strider590

victor2 wrote: »

Sounds like he's one of those drivers who gesticulates a "get out of the way or I'll hit you" and you didn't, so he did. In which case he's an idiot and will probably realise that one day.

Not great to make that assumption, for all you know he could have been on a small slip lane, building up speed to fall in behind the OP and the OP braked instead, leaving him nowhere to go.

This has happened to me numerous times where ordinary single lane A/B roads have a slip road entry. You start building up speed to merge in, the other driver panics, brakes and you end up stuck and the end of the slip lane.

Not saying this is what's happened, but we shouldn't make assumptions without all the facts.

rev_henry

Pay the MID £3.75 here:
http://www.askmid.com/askmidenquiry.aspx

To get his insurance details (if he has any). Then call up his insurance company and ask to make a 3rd party claim. No need to involve your insurance company, but you should tell them for info only.

QT2006

He was definitely at fault and the kind of move out the way or I will hit you guy!

I called insurance and informed them and they started a claim but assured me I wouldn't have to pay anything as they will contact the guys insurance- the car is insured- not sure if he is- so they are doing a DVLA chase to see who the car is registered to!

So they will call me back- they asked me a million and one questions and said that the premiums may rise but that they don't know until I renew next year.

Strider590

QT2006 wrote: »

So they will call me back- they asked me a million and one questions and said that the premiums may rise but that they don't know until I renew next year.

They will rise, premiums go up by some £100 on the average premium, per non-fault accident. Your judged to be more likely to be involved in an accident again and therefore higher risk.

QT2006

Strider590 wrote: »

They will rise, premiums go up by some £100 on the average premium, per non-fault accident. Your judged to be more likely to be involved in an accident again and therefore higher risk.

Well that is not fair...and life aint fair!! :mad::mad:

The_Turner

QT2006 wrote: »

Well that is not fair...and life aint fair!! :mad::mad:

Who said it was?

rev_henry

One or two people have managed to claim the difference in premiums off the 3rd party as a consequencial loss. Whether they just slipped through the net though is debatable.

Hammyman

Strider590 wrote: »

Not great to make that assumption, for all you know he could have been on a small slip lane, building up speed to fall in behind the OP and the OP braked instead, leaving him nowhere to go.

This has happened to me numerous times where ordinary single lane A/B roads have a slip road entry. You start building up speed to merge in, the other driver panics, brakes and you end up stuck and the end of the slip lane.

Not saying this is what's happened, but we shouldn't make assumptions without all the facts.

Doesn't matter. The person on the main road has the right of way. The person on the slip road HAS to give way to traffic already on that road.