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car insurance claim against self
ritzman
Posts: 30 Forumite
Hi
My wife today while reversing out of the driveway in my car has driven straight into the side of her car. Her car coming off much worse damaging badly at least 2 panels possible writeoff. My car only has slight scuff on bumper.
We are both with same insurance company with excess on my car is £400 and wifes car is £500.
Would we both have to pay excess and could she claim it back against my insurance.
Best way to approach really??
Cheers
My wife today while reversing out of the driveway in my car has driven straight into the side of her car. Her car coming off much worse damaging badly at least 2 panels possible writeoff. My car only has slight scuff on bumper.
We are both with same insurance company with excess on my car is £400 and wifes car is £500.
Would we both have to pay excess and could she claim it back against my insurance.
Best way to approach really??
Cheers
0
Comments
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panels may cost less than you think, think about this one if you claim you will have increased premiums for 5 years, and if named driver on yours so will youDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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Only one of you would have to pay excess.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Priced up panels and works out £400 2nd hand before paint and fitting. Not much change out of a grand I'm guessing in total.0
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Has your wife got whiplash?0
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Norman_Castle wrote: »Has your wife got whiplash?
Did ask my son who was in the back if he had0 -
Priced up panels and works out £400 2nd hand before paint and fitting. Not much change out of a grand I'm guessing in total.
I would be inclined to get quotes before looking to claim on your insurance. 5 years of increased premiums coupled with your excess, not to mention loss of no claims discount could easily work out more expensive than repairing the car yourself & not involving the insurance company.If my posts have random wrong words, please blame the damn autocorrect not me
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Norman_Castle wrote: »Has your wife got whiplash?
Even if she has, as she was driving she cannot claim against herself for personal injury. However the OP's son could claim if injured but surely OP's wife couldn't of been going very fast.If my posts have random wrong words, please blame the damn autocorrect not me0 -
If they're claiming off their own policies, they will need to initially pay their own excesses
I realised that but one of them will be able to claim it back so ultimately there will be only one excess to pay.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Will get some quotes for repair before any contact with insurance. Did quick John doe insurance price check with before and after circs and would only increase premium about £30 with protected ncd.0
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