Car accident claim

Seanymph

Why not just tell your own insurance?

utab007

DELETED USER wrote:

Small Claims Court would be a better bet and much cheaper.

Well, first we need to see if he disputes liability. If he does the small claims court will be considered. Using a solicitor on a no win no fee basis means I don't incur any fees and they do all work on my behalf. This suits me fine as I really don't have the time to do this all myself

utab007

Seanymph wrote: »

Why not just tell your own insurance?

What would I gain by telling my own insurance? They will ask me to pay an excess of £250 and do !!!!!! all. I think they would have just asked me to contact a solicitor on a no win no fee basis

It's a 10 year old car so for past few years I have opted for third party fire & theft.

I have decided to report him to police on Monday for not providing me correct details. This was deliberate attempt to deceive. By the time I'm done with him he will regret messing me around!

Seanymph

As it was an accident you need to inform your insurance even if there is no claim.

I've never had third party, so I don't know how it works - but I know mine would pursue him on my behalf, pay my repair and try to get the money out of him.

McKneff

It is in your contract with your insurance company that you inform them of any incident. Even if you are not making a claim.


If they catch up with you for non disclosutre at a future date, she shxxt will hit the fan and your insurance will be voided and it will be difficult to get insurance for anything at all for years.....

Seanymph

thank you McKneff.

As so many people had replied already and no one had said it I felt like a lone voice - especially given the OP's response.

If you are telling the police they will immediately communicate with insurers - and if you haven't reported an accident it could easily blow up in your face OP.

utab007

McKneff wrote: »

It is in your contract with your insurance company that you inform them of any incident. Even if you are not making a claim.


If they catch up with you for non disclosutre at a future date, she shxxt will hit the fan and your insurance will be voided and it will be difficult to get insurance for anything at all for years.....

We are using a law firm who deal with such matters on a daily basis and my wife has provided a full report of the accident to them. They didn't think it was necessary at the time, but I will check with them again after reading this. Thanks

Quentin

They have mislead you.

Read what your policy says regarding notifying them in the event of being involved in an incident.

You will need to also disclose this to other insurers you approach for quotes over the next 3/5 years depending on how long a history they ask about.

utab007

Quentin wrote: »

They have mislead you.

Read what your policy says regarding notifying them in the event of being involved in an incident.

You will need to also disclose this to other insurers you approach for quotes over the next 3/5 years depending on how long a history they ask about.

Our insurance policy is with Aviva. I have been through the policy and I think it states I only need to report the incident for a claim. On renewing my insurance I will obviously point out we were involved in an accident if the question is asked.

http://www.aviva.co.uk/library/pdfs/multi-vehicle/54535-NMDMG10249.pdf

Quentin

utab007 wrote: »

Our insurance policy is with Aviva. I have been through the policy and I think it states I only need to report the incident for a claim. On renewing my insurance I will obviously point out we were involved in an accident if the question is asked.

http://www.aviva.co.uk/library/pdfs/multi-vehicle/54535-NMDMG10249.pdf

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You must report any accident, injury, loss or damage to us as soon as possible