My parked car was crashed into!

Norman_Castle

I also have a very upstanding witness to the whole thing who is happy to make a statement on what happened. SO I don't think there's any way out of it for the car rental company.

Plus, there's also the owner of the car in front of mine that mine jolted into from the impact..

Tell your insurer, take their advice and let them handle it. You are setting yourself up for a questionable repair and a claim from another car owner. Highly possible your car is a total loss. Cancel the hire car. Add to your losses any future premium increase.

zudecke

So even though my car was neatly parked in a residents pay, the car was stationary (I was at work), the driver and the hire company have admitted it was the drivers fault, I have a witness eye testamoney and willingness to write a statement, you guys are still suggesting that if I tell me insurer, I'll still have to pay an excess ando/r sacrifice my 0 claims bonus??

Doesn't make sense to me. Sounds terribly unfair..

Norman_Castle

I'll still have to pay an excess ando/r sacrifice my 0 claims bonus??

Your excess only applies if you claim from your insurer. If you are not at fault you will not lose your NCB, your premiums may rise as you have been involved in an accident. Your insurer will explain this to you.

myhooose

zudecke wrote: »

Plus, there's also the owner of the car in front of mine that mine jolted into from the impact..

Who is the owner of the car in front of yours claiming off? Would they not claim off your insurance and then your insurers recoup the cost from the hire car company?

System

the biggest kick in the chucks is that you will now have to pay higher insurance premiums because of this!
iirc I claimed it through my own insurance who then got back the excess and ncb wasn't lost - only thing was they totally shafted me on the value of my car!

zudecke

Norman_Castle wrote: »

Your excess only applies if you claim from your insurer. If you are not at fault you will not lose your NCB, your premiums may rise as you have been involved in an accident. Your insurer will explain this to you.

Exactly.. Doesn't make any sense.. That my premium goes up because of a freak accident that was not my fault at all.

System

zudecke wrote: »

Exactly.. Doesn't make any sense.. That my premium goes up because of a freak accident that was not my fault at all.

doesn't make sense, and is very very annoying but it put 300-400 onto any quote i got for a new car - insurance companies have you every way unfortunately

lesalanos

myhooose wrote: »

Who is the owner of the car in front of yours claiming off? Would they not claim off your insurance and then your insurers recoup the cost from the hire car company?

This is what happened with me a few years ago. What is the other owner saying?

zudecke

The other owner is a rental company. They've admitted it's their liability.

I just want to know I can get my car fixed at a reputable garage of my choosing, preferably BMW itself, a like-for-like courtesy car until my car is ready and no taking the hit on excess charges, losing 0 CB or having to pay premiums.

is that too much to ask!?

daveyjp

zudecke wrote: »

Do you mean they didn't process a claim or anything while you waited for this proof?

Correct. Our instruction to them was to get the other party to admit liability, not to arrange a hire car or a repair until that aspect was sorted.