road sign hit my car

bryanb

Tilt wrote: »

I read the OP as already being parked there when the sign was put 'close' to his car. So how could he of known that where he was parked was "in places where signs blow into your car and thus deserving of a higher premium"?

It's nothing to do with deserving a higher premium. If you cost them money in any way, they want it back.

atrixblue.-MFR-.

bryanb wrote: »

It's nothing to do with deserving a higher premium. If you cost them money in any way, they want it back.

so what your saying is we pay for a service, a third party is negligent, all the costs are recovered by your insurer and it warrants them charging you who bear in mind paid for the service or still is or have paid up infull upon a payout and then have to pay more to your insurers due to all costs recovered claim for 5 years in increased premiums.

Quentin

timor wrote: »

I don't really understand the thread, the OP was about building a case against a contractor who negligently caused damage to my car.

At the end of the day <they> should be insured for causing damage to third parties, so it is <their> insurer who should increase their premium and <them> to be worried about it, not me.

Your thread was also about you not wanting to get your insurer involved in order to stop your future premium being impacted.

You have been advised that you cannot manage both your objectives!

ie. If you pursue your claim, then the incident will be recorded on your history (irrespective of whether or not you are paid compensation by the third party), and you will have to disclose it to all insurers you approach for quotes over the next 3/5 years, depending on the length of history required.

You are in a catch 22 scenario over this!

atrixblue.-MFR-.

Quentin wrote: »

Your thread was also about you not wanting to get your insurer involved in order to stop your future premium being impacted.

You have been advised that you cannot manage both your objectives!

ie. If you pursue your claim, then the incident will be recorded on your history (irrespective of whether or not you are paid compensation by the third party), and you will have to disclose it to all insurers you approach for quotes over the next 3/5 years, depending on the length of history required.

You are in a catch 22 scenario over this!

mmmm, ive worked in water mains leakage for a company well known, usually when a contractor neglects to anchor a sings lights or guarding, the contractor and water company like to payoff small damages in terms of cash or paying a body shop of the affected's choosing.

im not saying this is common practace in all water authorities but low level low cost damages can be handled in other ways other than going on the insurers raydar.

vaio

Tilt wrote: »

I read the OP as already being parked there when the sign was put 'close' to his car. So how could he of known that where he was parked was "in places where signs blow into your car and thus deserving of a higher premium"?

but it's not a matter of "knowing", it's a matter of fact.

Quentin

atrixblue.-MFR-. wrote: »

mmmm, ive worked in water mains leakage for a company well known, usually when a contractor neglects to anchor a sings lights or guarding, the contractor and water company like to payoff small damages in terms of cash or paying a body shop of the affected's choosing.

im not saying this is common practace in all water authorities but low level low cost damages can be handled in other ways other than going on the insurers raydar.

You forget the policy condition you breach if you do not inform your insurer of such an incident.

Once you pursue a third party its out of your control as to whether or not the matter goes on your record.

And you run the risk of only finding out that it's been recorded when you want to make a claim in the future and your insurer discovers you lied when not disclosing the loss on your application

Tilt

vaio wrote: »

but it's not a matter of "knowing", it's a matter of fact.

How is it? Are you saying the OP has psychic powers and knew that a sign would be placed near his car AFTER he parked it? Or am I missing something here?

vaio

"Fact" as in it is a fact that the OP parked his car where it was damaged by a sign.

Insurers don't care that he had no way of knowing it that the sign would be placed after he had parked any more than they care that you had no idea that a dozy driver would run into the back of you on a roundabout.

If the damage happens then they will regard you as an increased risk even if it doesn't cost them anything. If it does cost them then you will likely get an even bigger premium loading.

atrixblue.-MFR-.

Quentin wrote: »

You forget the policy condition you breach if you do not inform your insurer of such an incident.

Once you pursue a third party its out of your control as to whether or not the matter goes on your record.

And you run the risk of only finding out that it's been recorded when you want to make a claim in the future and your insurer discovers you lied when not disclosing the loss on your application

would you inform insurers of a 1inch deep scratch and the rest could possibly be cutting paste compound buffed?

i understand the clause in the terms of policy's.

the OP would have to inform their insurers, this is when its logged.

if the OP call thames, and thames only informs the area manager of a customer incident, (im going by my experience with the company i worked for wich is not thames) the area manager then assesses the customer incident then decides on the whether it would be best to let the customer go through their insurers, untill that stage nothing is logged as a claim anaywhere.

it was our in house company policy to let managers assess damages to customer property first so the manager can 1.see if there is a true claim (as many were claiming for new gate steps and gates due to fitting in a new stop tap or the fitters scattered car with dust and chips with the disc cutter) and many were try ons for e.g workman leaned against my wall and loosen 20 bricks 2.assess the scale of damage. 3 do basic customer relations and help assist the customer to claim from their insurers by providing then name number and calling the insurers and informing that the claim was geuin and been assessed by him/her and gave rundown of type of damage and also photo'd the damage to e-mail them over, untill the manager decided what course of action was taken it was never recoreded as a claim on any system untill the manager said so.

i wouldnt risk paying 1.my excess £150 (initially to warrant a repair to the garage) 2.increase of x amount for 3/5 years over a £70-100 repair.

the water company would not risk paying £1000 excess on a fault claim over a £100 repair claim.

in my experience these type of things were privatly handled with agreement from the affected party.

i agree that yes your duty bound by your terms and cons and should inform of ever trolly dent you recieve to you car, but in real world what would you do?

timor_2

vaio wrote: »

but the your insurers viewpoint could well be that you have shown yourself to be the sort of driver that parks in places where signs blow into your car and thus deserving of a higher premium.

I'm not saying this is sensible or fair but it does seem to be the prevailing view among insurers

So parking your car outside your house makes you the "sort of driver that parks in places where signs blow into your car"

Is this statement serious?