Car Accident Rare Shunt

Crazy_Jamie

mikey72 wrote: »

I think back in the good old days, a no fault accident didn't usually mean a loading for the injured party.
Now it does,for whatever reason it's justified as, so it's an expense that can and should be recovered, and is becoming accepted as such.

I'm sure insurers would like to keep it as a way to bring "new" money into their overall pool, but in reality it's merely going to be money moved from one insurer to another.

I'm not interested in a debate on the point. The OP requires practical advice, and practically whilst he is perfectly entitled to raise increased premiums as a head of loss, he would be wise not to push the matter too far if it is resisted given that it is an argument that is unlikely to succeed in a court room, and as such is not worth jeopardising a settlement for in general terms. I cannot make the point any clearer than that.

mikey72

Crazy_Jamie wrote: »

I'm not interested in a debate on the point. The OP requires practical advice, and practically whilst he is perfectly entitled to raise increased premiums as a head of loss, he would be wise not to push the matter too far if it is resisted given that it is an argument that is unlikely to succeed in a court room, and as such is not worth jeopardising a settlement for in general terms. I cannot make the point any clearer than that.

It's an expense directly related to the accident, and fully accountable to the third party.
It's not a pick and choose situation, it's a substantiated loss.
The money is recoverable, other threads on here have reported success without going to court over it.

That's as clear as it gets.
But you're right, it's not debatable.

lizziebabe

Hi - I was injured in a shunt, hit from behind.

I was told that I had to inform the Police if anyone was injured.

Hope driver is on the mend/

Crazy_Jamie

mikey72 wrote: »

It's an expense directly related to the accident, and fully accountable to the third party.
It's not a pick and choose situation, it's a substantiated loss.
The money is recoverable, other threads on here have reported success without going to court over it.

That's as clear as it gets.
But you're right, it's not debatable.

This is more or less exactly my point. It is something worth approaching the insurer about. It is not something worth going to Court over.

mikey72

Crazy_Jamie wrote: »

This is more or less exactly my point. It is something worth approaching the insurer about. It is not something worth going to Court over.

That depends on how much money you can afford to lose, I know I'd happily go to court if I needed to, to recover what I'd lost to an insurance company.

shelly

real1314 wrote: »

Are your arms less than 12" long ?

Many people who sit too close/lean forward to the steering wheel are quite capable of being seated further back.

Think of your hatchback as an italian sports car requiring an almost lay-down position! :cool:

It's not my arm length that's the problem, it's leg length, or rather lack of it.

mark101

Ok lots of good information to digest in this thread, it's never simple:

1. 3rd party going to pick up car and drop of courtesy car. I asked about petrol costs to and from the repair centre and they said claim against the insurance company. I raised this as it is located 60 miles round trip from my home.
2. Why do I need to inform my Insurance Company? Its obvious the 3rd party have accepted the claim and their driver is at fault.
3. If I do inform my insurance company as it is sounding so, I notify them that its informational only, and at that point from what I understand there is a chance my premium will go up (why!!), if they say it will go up I should pursue any additional cost from the 3rd party?
4. 2 options, go through the 3rd parties insurance for an injury claim, and if not in agreement on costs go elsewhere, be careful not to sign anything… though its sounding like just call up one of the personal injury lawyers or take a recommendation from my own insurance co and let them deal with it as they will work on getting the best deal for the wife.

Anything else I missed?..

buglawton

If you fail to inform your own insurance company, there the possibility they will see it as fraud and refuse to renew next time. Regardless of the accident scenario, insurance companies do some sort of swapsy where it takes two to play.