Tiny bump in school car park - am I covered?

JennyP

Had a tiny bump in a school car park where I am working on a temporary basis.
Two scratches to the other vehicle.
I asked if I could just pay for it outside of the insurance but they reported it to their insurance. Someone has now said that I might not be covered by my insurance as it's a private car park if it's on school land. IS this true? Have never heard it before.
I was also told that I cannot just pay up out of my own money if the other party wants to claim via insurance.
I am a bit peeved because it was a tiny amount of damage caused yet the other party has gone to an accident management company within two hours of it happening even though I went and owned up to her and offered to pay. I could have just driven away but I'm honest. They're saying it could be thousands.

Strider590

If she's covered then so are you.....

If she goes via insurance the repair bill will be 3 or 4 times what it should be, you won't be able to afford it.

Be prepared for the whiplash claims from her and her 8 passengers.

Sgt_Pepper_2

You'll be covered. If you informed your insurance company yet?

Valli

at least, if the job's temporary, you won't have to work with her for much longer.

fivetide

Take a hammer to it. Might as well get value for money!

5t.

vaio

JennyP wrote: »

.... Someone has now said that I might not be covered by my insurance as it's a private car park if it's on school land. IS this true? Have never heard it before......

you'll be covered provided your insurance covers commuting or business use as applicable

JennyP wrote: »

.... I was also told that I cannot just pay up out of my own money if the other party wants to claim via insurance.......

You can pay yourself without involving your insurance company but you still need to inform them.

Alternatively, you can let them deal with it and then reimburse them which will mean you don't lose NCB

Whether either of these is worth doing depends on your circumstances and the cost of the claim

mattyprice4004

Why would you try and get out of it, because it's on private land? Your lack of care or attention still caused the accident, it's incredibly dishonest to try and find a loophole.

Yes, they have a right to use insurance. No, you can't stop them doing it. If they've gone through an accident management company, it's not worth paying for directly as the fees will be thousands.

flashg67

mattyprice4004 wrote: »

Why would you try and get out of it, because it's on private land? Your lack of care or attention still caused the accident, it's incredibly dishonest to try and find a loophole.

Yes, they have a right to use insurance. No, you can't stop them doing it. If they've gone through an accident management company, it's not worth paying for directly as the fees will be thousands.

Niiiice attitude! Where does it say they want to wriggle out of it? The OP reported the damage to the owner & admitted liability. With the cost of insurance these days, I wouldn't have a quibble about at least asking to pay before involving the insurance?

Of course it's the other persons right to go through the insurance, and is the correct procedure strictly speaking - the OP was only asking if this was correct, not trying to get out of it totally

Suggest reading the post before touching keyboard.....

gardner1

JennyP wrote: »

Had a tiny bump in a school car park where I am working on a temporary basis.
Two scratches to the other vehicle.
I asked if I could just pay for it outside of the insurance but they reported it to their insurance. Someone has now said that I might not be covered by my insurance as it's a private car park if it's on school land. IS this true? Have never heard it before.
I was also told that I cannot just pay up out of my own money if the other party wants to claim via insurance.
I am a bit peeved because it was a tiny amount of damage caused yet the other party has gone to an accident management company within two hours of it happening even though I went and owned up to her and offered to pay. I could have just driven away but I'm honest. They're saying it could be thousands.

if the the other persons car is new you cant blame them for going via insurance company nothing worse than having new car dinked by idiot

patman99

As far as insurance and private car parks are concerned, a Judge ruled years ago that for the purposes of insurance, all private roads and car parks should be treated as being part of the Queen's highway.

atrixblue.-MFR-.

mattyprice4004 wrote: »

Why would you try and get out of it, because it's on private land? Your lack of care or attention still caused the accident, it's incredibly dishonest to try and find a loophole.

Yes, they have a right to use insurance. No, you can't stop them doing it. If they've gone through an accident management company, it's not worth paying for directly as the fees will be thousands.

point out exactly where the OP is trying to be dishonest and finding a loophole?

or was you reading another thread to what everyone else has read?