Do I have to go with my insurance company for claim?

macmunky1

Someone reversed into my car. They admit liability. I went to my insurance company, esure. They will deal with it but want me to pay the excess and say they will try to get it back off other insurance company. I don't want to pay that money up front and don't much like the sound of them 'trying' to get the money back. Am I obliged to go ahead with my own insurer? Is it too late to contact one of these solicitor companies who offer to do the whole thing at no cost to me. It's just a door that needs fixing or replacing, no injury claim or anything like that. Any advice appreciated.

neilmcl

You can claim directly from the third party's insurer.

harveybobbles

No need to contact your insurance company apart from information purpose.

Claim of the people who hit you. End of.

Joe_Horner

harveybobbles wrote: »

No need to contact your insurance company apart from information purpose.

Claim of the people who hit you. End of.

Just to clarify that, claim off the other person without involving a claims management company / solicitor. For a simple claim they're really not needed and will just drive up the settlement with their fees (thereby increasing everyones' premiums in the long term)

Contact his insurers yourself and they'll explain what you need to do.

arcon5

Contact their insurer directly and you'll be amazed how quickly they deal with it just to avoi claims management fees

ally18

Sorry to jump on your thread op but I had someone go into the back of my car this morning. Guy admitted it was his fault and wants to sort out outside of insurance but he said he doesn't have much money.

I've had one quote done and its £1450 by a local garage not a main dealer. Obviously he can't pay this so I need to talk to my insurance co.

What exactly is the difference going through my insurance co and his?

If someone could explain, I would be grateful.

Thanks

Mr_Mink

ally18 wrote: »

Sorry to jump on your thread op but I had someone go into the back of my car this morning. Guy admitted it was his fault and wants to sort out outside of insurance but he said he doesn't have much money.

I've had one quote done and its £1450 by a local garage not a main dealer. Obviously he can't pay this so I need to talk to my insurance co.

What exactly is the difference going through my insurance co and his?

If someone could explain, I would be grateful.

Thanks

If you go through your insurance, they will pay (meaning you need to pay your excess) then they will try to recoup their expense from the other party's insurance and pay you back your excess.

If you go through their insurance, they'll sort out your car and you won't need to pay any excess. Basically you're just reducing the claim process to the fewest steps/parties.

arcon5

ally18 wrote: »

Sorry to jump on your thread op but I had someone go into the back of my car this morning. Guy admitted it was his fault and wants to sort out outside of insurance but he said he doesn't have much money.

I've had one quote done and its £1450 by a local garage not a main dealer. Obviously he can't pay this so I need to talk to my insurance co.

What exactly is the difference going through my insurance co and his?

If someone could explain, I would be grateful.

Thanks

Your insurer will parm you off on a management company who have their own procedures and add on their fees to the claim. Contact their insurance and their claims department will settle a claim where liability is clear faster than the speed of light just to avoid all these extra costs like those for the claims managers, hire car etc etc.
Your insurer may also pay for it if going through the claims management company until they recover the funds from the third party insurer - classing it as a claim until it's been settled.

ally18

Thanks very much for your advice. I understand it all now.

In fact, the other person's insurance company actually rang me and asked if they could sort it all out. Well impressed with them.
Not impressed with mine as they weren't happy, you wouldn't believe the questions I had to answer just to advise them of the situation and that I wouldn't be making a claim with them.