Car accident advice please

bubbs

I have been on the phone half of the afternoon regarding a car accident to my insurance (not my fault and he admitted liability i was parked and not in the car, wouldnt have known if he hadnt have rang door bell!) , now they want to use there car body shop and hire car.
Car Bodyshop from my insurance has been intouch with me and have pictures of damage.
Now the person that hit my car his car insurance has just been on the phone and they want to deal with it all, i dont know what to do, never been in this situation before.
Any advice please? as i have to ring them back

DUTR

bubbs wrote: »

I have been on the phone half of the afternoon regarding a car accident to my insurance (not my fault and he admitted liability i was parked and not in the car, wouldnt have known if he hadnt have rang door bell!) , now they want to use there car body shop and hire car.
Car Bodyshop from my insurance has been intouch with me and have pictures of damage.
Now the person that hit my car his car insurance has just been on the phone and they want to deal with it all, i dont know what to do, never been in this situation before.
Any advice please? as i have to ring them back

The 3rd party insurers will want to handle the claim, it is up to you if you want them to deal with it.

bubbs

DUTR wrote: »

The 3rd party insurers will want to handle the claim, it is up to you if you want them to deal with it.

Thanks dosent actually make no diff to me as long as car is repaired and does not affect my car insurance

DUTR

bubbs wrote: »

Thanks dosent actually make no diff to me as long as car is repaired and does not affect my car insurance

Depends on how old the car is, just be midful that the 3rd party will want to repair to a price rather than to a quality.
A place a 3rd party wanted me to take my car to , another poster on another forum had taken his car there and they hadn't done a good paint job, so I was glad I avoided them, remember you can let an accident management company look after your claim (the insurers seem to be afraid of these companies ) . Good luck with the repair though. :cool:

arcon5

If your insurer repair it you will have to pay an excess until they can recover the costs from the TP insurer. All your insurer will do is pass it on to a claims management company.

TP insurer want to deal with it to avoid unnecessary fees like claims management company fees. For this reason, i'm betting you'll be surprised how quickly they will deal with it.
Ask if they will offer a courtesy car and if so consider taking up the TP insurers offer.

bubbs

Thanks, they have both offered courtesy car, the insurance have said i will NOT have to pay excess car is 10 yrs old but only 60,000 on clock

bubbs

Oh and my insurance want lovells at Peterborough to do the work which is quite away from me but they collect and drop off

AdrianC

Let their insurer deal with it.

It will, however, almost certainly affect your premium for the next few years. You now have to declare a claim, even though it's not-at-fault and your NCB is untouched. You've been involved in a collision, ergo you are a higher risk.

Just seen the age of your car - low value, so a very high risk of being uneconomical to repair. Remember, you have no contract with them, so (within reason) they can't write it off without your agreement.

bubbs

AdrianC wrote: »

Let their insurer deal with it.

It will, however, almost certainly affect your premium for the next few years. You now have to declare a claim, even though it's not-at-fault and your NCB is untouched. You've been involved in a collision, ergo you are a higher risk.

I wasnt even in the car, i was parked!:eek:

AdrianC

bubbs wrote: »

I wasnt even in the car, i was parked!:eek:

Yep. Just the same as when my car was hit a few years ago. Playing with the meerkats showed that my premium rose more by that one not-at-fault claim than by two 3pt photos.

bubbs

AdrianC wrote: »

Yep. Just the same as when my car was hit a few years ago. Playing with the meerkats showed that my premium rose more by that one not-at-fault claim than by two 3pt photos.

Best of it is, 2012 someone hit and run my car and wrote it off , i was driving that time luckily not hurt, bloody insurance went up cause of that:eek: