Bumped car...

ACG

I was driving yesterday and someone bumped into me, we were both only going 5-10mph so nobody was hurt and nobody is playing silly beggers with "whiplash".

It was clearly the other persons fault and i dont think he has any intentions of denying it - seems like a nice enough bloke.

Anyway, i got a quote on how much to repair lastnight and i was told £400 if he pays it or £1200 if through the insurance, but he said if it goes through insurance they will probably write my car off as its only worth £2-2.5k.

So my questions are:
- Is it likely they would write it off? (I dont mind either way, im in 2 minds about getting a new car anyway).
- If this goes through the insurance will it affect my premiums in any way? (This is presuming he admits fault and everyone does the right thing) I know it shouldnt, but will it?

Cheers

paddedjohn

ACG wrote: »

I was driving yesterday and someone bumped into me, we were both only going 5-10mph so nobody was hurt and nobody is playing silly beggers with "whiplash".

It was clearly the other persons fault and i dont think he has any intentions of denying it - seems like a nice enough bloke.

Anyway, i got a quote on how much to repair lastnight and i was told £400 if he pays it or £1200 if through the insurance, but he said if it goes through insurance they will probably write my car off as its only worth £2-2.5k.

So my questions are:
- Is it likely they would write it off? (I dont mind either way, im in 2 minds about getting a new car anyway).
- If this goes through the insurance will it affect my premiums in any way? (This is presuming he admits fault and everyone does the right thing) I know it shouldnt, but will it?

Cheers

If it goes through the insurance it will affect your premiums, but you can claim this off the other party. Text the other party and tell them you have been quoted £400 to repair the damage they caused, their reply might be enough to prove fault if it does end up going through your insurance.

ACG

Its fine, they have declared it to their insurance but admitted full liability. However we are sorting it out privately, cheaper for them most likely a lot easier for me too.

forgotmyname

You need to declare it to yours now and its not going to be that much cheaper,

Your premium are likely to rise because of it. But its on the CUE database so you MUST declare it or risk having your policy cancelled for non disclosure.

Unlikey for them to write off a £2500 car for a £1200 repair.

ACG

So i have an accident through no fault of my own and i have to pay more?

If that is the case, can i claim that back for however many years it will cost me extra?
Its no wonder people claim for whiplash, it helps pay for the extra costs they will incur.

Just to add, i havnt made a claim on my insurance and wont be doing. His insurers were actually quite good and offered to pay for everything - courtesy car, fix it pick it up drop it off etc. Were now sorting out seperately so i wont be making a claim for anything.

carlos100

Why would it be £400 if he pays it or £1200 if through the insurance ?


Are you saying the garage gave you these quotes ?

Quentin

ACG wrote: »

So i have an accident through no fault of my own and i have to pay more?

If that is the case, can i claim that back for however many years it will cost me extra?
Its no wonder people claim for whiplash, it helps pay for the extra costs they will incur.

Just to add, i havnt made a claim on my insurance and wont be doing. His insurers were actually quite good and offered to pay for everything - courtesy car, fix it pick it up drop it off etc. Were now sorting out seperately so i wont be making a claim for anything.

You are making a claim, though through the third party.

Irrespective you need to inform your own insurer. Stress to them that you are reporting this for information only and that the third party has agreed to pay all your costs. (This should ensure it's not marked as "open" which can cause problems over them temporarily reducing your ncd in case any claim results from the third party).

The claim will have to be disclosed to any new insurer you contact for a quote.

ACG

Im not though, hes offered to pay to sort it out.
Im not claiming anything.

Regardless of whether im claiming or not, its not my fault hes admitted that. So why should or why will i be any worse off.

rs65

It is an incident and you have to report it. Have a read of your policy.

Whether it affects your premium is a separate issue. Not all insurers charge extra for non-fault history.

I thought you knew about insurance?

ACG

I dont sell car insurance.

I sell house insurance and health insurance, if i break my leg or get the flui dont have to go and inform the life insurance company after my policy has gone live.
Likewise if i ever made a claim on income protection my premiums wouldnt then go up, i would carry on paying the same so its not worth trying to compare the 2 theyre totally different.

Quentin

Surely you know enough about insurance to know if the customer lies on their application or breaches the policy conditions the insurer will use it if they can to void any claim!

You have experienced a loss. It's your call.