Car Accident - What Now?

DUTR

keith1950 wrote: »

That could be a big issue. When you apply for car insurance they ask you for your occupation and if you have any part time jobs !.

It isn't just about the accident its about the fact that they may think that you have lied on your application. "Professional" drivers usually attract higher premiums.

Irrespective of whether or not you have just started this delivery job they probably wont be pleased to find out you were doing this because if they had know they would have vastly increased your premiums to account for this.

As it stands , if they do find out , do you think they will believe you that you have just started this part time job.

The best you can hope for is that they increase you premium, at the worst they could cancel your policy.

Pray they don't find out.

And pray hard, perhaps the other party is not a subscriber to this forum.

dacouch

Buellguy wrote: »

Actually the worst is that they could cancel your policy, find the claim against you, pay out to the third party and then pursue you through the courts for their losses

Taking into account the circumstances there's a good chance there will be no problems and the claim will be paid.

A lot of it will hinge on the exact wording the Insurers uses for change of job or more specifically additional job and the customers duty of informing them mid term. I would not be surprised if the Insurer have omitted it or have it very badly worded

Buellguy

dacouch wrote: »

Taking into account the circumstances there's a good chance there will be no problems and the claim will be paid.

A lot of it will hinge on the exact wording the Insurers uses for change of job or more specifically additional job and the customers duty of informing them mid term. I would not be surprised if the Insurer have omitted it or have it very badly worded

Agree, depends on the insurer, I know when I worked in insurance that we were very specific, especially around delivery jobs

smj43

This is what my policy documents say

You must tell us as soon as possible if any of the following details change:
• the address where you normally keep your car;
• if you, or anyone covered by your policy change jobs, including part time.

I didn't change jobs, however it does say including part time, however it says tell us as soon as possible. I only started on Friday night and quit on Saturday night after the accident how soon did they want me to tell them? There is no timeframe specified. Also, there is no point telling them now? It was for literally 6 hours and I can prove it.

dacouch

smj43 wrote: »

This is what my policy documents say



I didn't change jobs, however it does say including part time, however it says tell us as soon as possible. I only started on Friday night and quit on Saturday night after the accident how soon did they want me to tell them? There is no timeframe specified. Also, there is no point telling them now? It was for literally 6 hours and I can prove it.

When did you apply for / accept the job?

arcon5

You've left them in a right pickle now - couldn't stand the heat for more than 6 hours and potentially left them with an insurance nightmare to deal with.

6 hours - that must be some kind of record for any job

dacouch

arcon5 wrote: »

You've left them in a right pickle now - couldn't stand the heat for more than 6 hours and potentially left them with an insurance nightmare to deal with.

6 hours - that must be some kind of record for any job

He had the accident on the way home, I would be very surprised if the takeaways insurance provided any sort of cover for his commuting from work

smj43

arcon5 wrote: »

You've left them in a right pickle now - couldn't stand the heat for more than 6 hours and potentially left them with an insurance nightmare to deal with.

6 hours - that must be some kind of record for any job

It does sound bad when you put it that way but I didn't realise the wear and tear I would be getting on my car. They pay 80p fuel for a delivery that could be a 6 mile round trip and I was doing 50-60 miles on one shift. Then the service road behind the shop was very uneven and damaging my tires and suspension. The roads around that area are quite confusing and can be dangerous. Then having the accident on my way home was the icing on the cake. I just wanted to earn a bit of extra money for my family and it's ended up costing me big time. It's alright if you have a cheap runaround but not in any car with value.

As for when I applied/accepted... it's just a delivery driver I walked in the shop on the day and started that night. There was no interview or training involved.

smj43

Ok so I have claimed on my insurance since it says am covered for business and commuting. I checked with the company and they do not cover my journey to/from work only when making deliveries.

1. I gave the other driver the companies insurance details, will this matter as I have now opened a claim with my own insurance?

2. What affect will making a claim have on my renewal next year? I haven't got any no claims and have now lost my first year already. Will it go up next year? It's already through the roof.

3. My excess is quite high (£500) which I have to pay to repair centre. Will I get any of this back if other driver is found split liability?

Marvel1

smj43 wrote: »

There is no need to be offensive. I am not a pig headed driver, I am an inexperienced driver, I have only been driving for 4 months. This is something I will learn from. I have already admitted half liability. I did what I thought was right at the time, we all make mistakes.

And your second paragraph makes no sense at all. I have no idea what you are talking about.

That explains a lot from what I reading from other posts.

Your insurance at renewal time will ask "Any accident/claims in the last 5 years?" Your answer is yes.