Non Fault Accident Today - Help

neilmcl

bagand96 wrote: »

Still not sure what to do for the best.

I'd still find out who the third-party's insurer is, just as a matter of course. If he wont give you the details you can always find out on Askmid.com for a small fee (£4). If there's no issue regarding liability the 3rd party insurer should pay for everything, incl hire-car should you require it. All you have to do then is inform your insurer "for information only".

bagand96

I've got the third party insurance details now including policy number. I haven't spoke to them yet as he hasn't had chance to. Promises me he'll do it at lunchtime.

I might ring admiral and see exactly what the score is with them and Albany and my case. I need to call them anyway to give them some more info.

Tilt

bagand96 wrote: »

I've got the third party insurance details now including policy number. I haven't spoke to them yet as he hasn't had chance to. Promises me he'll do it at lunchtime.

I might ring admiral and see exactly what the score is with them and Albany and my case. I need to call them anyway to give them some more info.

If you have fully comp insurance, Admiral should be dealing with this for you. That's what you pay them for. You should not have to chase the TP'S insurers (who will be the one that hit you btw). Under the circumstances, I would NOT be dealing with an accident management company who wants me to sign a financial agreement on a hire car.

This is not your fault and as such, you should be inconvenienced as little as possible.

EdGasket

See other recent threads re. Albany and avoid if you can; they are just a 'claims management' company out for profit and you could end up paying their fees and expensive hire charges if no-one else will.
For your own car, see if the TP who hit you's insurance will deal with you directly; give them a ring and so long as he has admitted liability, they should sort you out quickly. The other person that you were shunted into will claim off your insurance who should pass this back onto the person who ran in the back of you.

neilmcl

Tilt wrote: »

If you have fully comp insurance, Admiral should be dealing with this for you. That's what you pay them for. You should not have to chase the TP'S insurers (who will be the one that hit you btw). Under the circumstances, I would NOT be dealing with an accident management company who wants me to sign a financial agreement on a hire car.

This is not your fault and as such, you should be inconvenienced as little as possible.

It's not a case of having to "chase the TP'S insurers", all we're advising is that quite often it can be a preferred solution, and sometimes involves less inconvenience and expense than dealing with your own insurer.

Quentin

Tilt wrote: »

.....This is not your fault and as such, you should be inconvenienced as little as possible.

The way to have as little inconvenience as poss when involved in a claim when the third party is to blame is not to claim off your own policy!

Why should you or your insurer be inconvenienced by some twerp drives into the back of you!

It is they and their insurer who need to be put out over this!

kerby_crawler

Quentin wrote: »

The way to have as little inconvenience as poss when involved in a claim when the third party is to blame is not to claim off your own policy!

Why should you or your insurer be inconvenienced by some twerp drives into the back of you!

It is they and their insurer who need to be put out over this!

Part of what you pay for in your comprehensive insurance premium, is that your insurance company will 'deal with things' - there is zero point in any individual motorist trying to 'take on' a third party's insurance company.

Many years ago, in the early years of claims management companies, Direct Line told me that they would be happy for me to use such a company because it would save them work. In the event, the work was transferred to me!

Quentin

kerby_crawler wrote: »

Part of what you pay for in your comprehensive insurance premium, is that your insurance company will 'deal with things' - there is zero point in any individual motorist trying to 'take on' a third party's insurance company.

Many years ago, in the early years of claims management companies, Direct Line told me that they would be happy for me to use such a company because it would save them work. In the event, the work was transferred to me!

Well, "many years" later, things have changed!

Many insurers now have innocent third part claims departments who will bend over to help third parties who have been involved with one of their insured clients to blame.

(They of course would like to cut out the claim being handed over to a claim manager!)

You suggest there is "zero" point in claiming direct from the third party, but this is just wrong.

When you are dealt with by a third party insurer, they will provide a hire car straightaway if your car isn't roadworthy (not usually offered by your own policy), as well as a car whilst yours is in dock.

You can choose your own repairer without the usual pressure to use your insurer's "appointed garage".

There is no excess to pay then reclaim.

Your NCD is untouched, as explained in post #10.

As many threads evidence, when you are blameless and make a claim off your own policy as you advise, you suddenly find yourself in the hands of the credit hire claims management companies (to whom your own insurer has referred you) most would prefer to avoid!

kerby_crawler

Quentin wrote: »

When you are dealt with by a third party insurer, they will provide a hire car straightaway if your car isn't roadworthy (not usually offered by your own policy), as well as a car whilst yours is in dock

I am very ready to acknowledge that times have changed, but I cannot understand why an insurance company would offer a no-questions-asked hire car to somebody with whom they have no business relationship. I gave up driving two years ago, but I cannot remember having a policy which did not offer me a hire car if my own car was undriveable after an accident.

Quentin

kerby_crawler wrote: »

I am very ready to acknowledge that times have changed, but I cannot understand why an insurance company would offer a no-questions-asked hire car to somebody with whom they have no business relationship. I gave up driving two years ago, but I cannot remember having a policy which did not offer me a hire car if my own car was undriveable after an accident.

Well, what has happened has been the rise of the "accident claims management company", who innocent third parties (or their insurers!) can instruct to deal with their claim without paying them. But they are very expensive!! And use astronomically high credit hire cars. As well as credit repairers ,and encourage injury claims etc. etc.

A third party insurer offers to help out innocent third parties so that all this extra cost is avoided.

And these days, getting a hire car off your own policy isn't normal (some may offer it, though most that do offer it as an "extra" you buy on top off your policy if you need the option).

Usually all you get is a small courtesy car (subject to availability, and you using the repairer your insurer directs you to).