Major Car Insurance Problem + Anxiety :(

hugoshavez

h08306 wrote: »

I would but i dont actually know the number plate. All we did was saw phone numbers.

do you know if there is a document ready made?

I "third party" accept the sum of xxxx in full and final settlement and complete discharge of all liabilities arising from the motor vehicle accident of 25 February 2014, when h08306 collided with my car (vehicle reg) at Asda.

Now there is.

hugoshavez

spacey2012 wrote: »

have you checked the other car had insurance held upon it ?
You can do this via MID.
This could be the reason for the other driver not wanting to involve insurance.

Makes no difference to the OP.

h08306

hugoshavez wrote: »

I "third party" accept the sum of xxxx in full and final settlement and complete discharge of all liabilities arising from the motor vehicle accident of 25 February 2014, when h08306 collided with my car (vehicle reg) at Asda.

Now there is.

Would this protect me from future person injury claims?

So just to clarify even if i am found to have been at fault and my insurance company has to pay out for her car I will not have to pay my excess so long as I dont get my car fixed by the insurance?

Quentin

h08306 wrote: »

......So just to clarify even if i am found to have been at fault and my insurance company has to pay out for her car I will not have to pay my excess so long as I dont get my car fixed by the insurance?

Correct .

InsideInsurance

h08306 wrote: »

Would this protect me from future person injury claims?

Not really

Anyone can litigate against anyone no matter if they have a genuine case or not. You could then use the piece of paper as a defense but it'd be up to the judge to decide if it legitimately bared the case, if the claimant would have reasonably known about the injury at the time of signing it, if there was any coercion involved to get them to sign it etc.

vaio

InsideInsurance wrote: »

You really need to ask if you hitting another car still counts as an accident if you pay for it privately?........

Aviva are clear on that one, it doesn't count/have to be disclosed.

Having said that, the situation where you claim and then reimburse muddies the water slightly.

InsideInsurance

vaio wrote: »

Aviva are clear on that one, it doesn't count/have to be disclosed.

Aviva would be in the minority and could be the exception that proves the rule.

Of cause if you were to have a candid conversation with another insurers sales advisor about very minor "incidents" (eg curbing your alloys) then many would draw a line somewhere about what is a reportable incident but any involving admitting to causing damage to a third party would be reportable (excl aviva)

[Deleted User]

InsideInsurance wrote: »

Claim for both vehicles - pay excess, loose NCD, almost certainly increased premiums

Claim for just their vehicle - no excess, loose NCD, almost certainly increased premums

Lose. Try not to be so loose with your spelling.