Car insurance claim

1jim

Hi everyone

Someone has hit the wife's car this morning, wife had parked car, returned to see some popping a note on screen to leave details. They had clipped the rear wing, dented wheel arch and they must have hit tyre as well.

Wife has details of other person And their insurance details

I know we need to let our insurance company know of incident but I wondered how we proceed now, do we get the other persons insurance to fix car and get them to provide courtesy car etc or do we claim on our policy, pay excess and reclaim these costs from other insurance company?

VictorM_2

Give the third party insurer a ring and they will often deal directly with you.

Some insurers however will not deal with anyone other than the insured and third party insurers.

If you do call them make sure you don't agree anything until you understand it fully, you need to make sure you are getting the best deal out of this and that way may be through your insurer.

1jim

Have decided to go through own insurer.... Presumably will then reclaim excess back from other insurer later, also presume that premiums will rise because of the no fault claim, can these be recouped?

anniecave

As long as the other party does admit liability and the claim goes through OK then yes you will get your excess back.

I don't believe increased premiums can be recouped. I wish they could be, but it would be somewhat hard to figure out how this would be done, as you'd have 3 or 5 future years to claim for, and exactly how you'd determine the additional cost would be up for debate. I don't agree with it, but I can see why it isn't done.

I've now had 2 accidents where I was stationary and another vehicle has driven into me so I wish I didn't have to declare these either!