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car insurance 3rd party liability accepted. Best way to deal with winning insurance c
denispearl
Posts: 43 Forumite
in Motoring
Hi all.
Other car just drove into my rear yesterday and have accepted liability already. Thanks for that, Now, there is hard time started:
I need your help please and advise. The most important is which way to go:
- give the car to Albany assistance to handle repairs ( i dont like them, but they are directly under my insurer, so should have no problem getting them should something go wrong with the repairs or bill). But i dont like them.
- Take it to my favorite garage (audi specialists ). They have told me that I wont need to pay even an excess if other party confirm their liability. That is already happened). I wont need to pay an excess either. They do have 4 weeks waiting time tho.
- Use the 3rd party insurer. They have called me and offered everything get done. They also mentioned that if Ill go with them (it is AGES insurance btw) - i will have no risk to get under the hummer of Albany assistance credit hire . Apparently credit hire could fire back on my in some circumstances and I dont want that. Also my insurer told me that If ill use them, then I will have to deal with them direct all the time. Is there any risk?
I haven't been in such position for a very long time, so your advice is much appreciated.
Who do i need to deal with? Their positive and drawbacks?
What would you also recommend in situation like this? I might forgot something important here.
Would my premium go up if it is 2nd non fault claim by me and iam also due to get first point for no accidents this year.
many thanks.
Other car just drove into my rear yesterday and have accepted liability already. Thanks for that, Now, there is hard time started:
I need your help please and advise. The most important is which way to go:
- give the car to Albany assistance to handle repairs ( i dont like them, but they are directly under my insurer, so should have no problem getting them should something go wrong with the repairs or bill). But i dont like them.
- Take it to my favorite garage (audi specialists ). They have told me that I wont need to pay even an excess if other party confirm their liability. That is already happened). I wont need to pay an excess either. They do have 4 weeks waiting time tho.
- Use the 3rd party insurer. They have called me and offered everything get done. They also mentioned that if Ill go with them (it is AGES insurance btw) - i will have no risk to get under the hummer of Albany assistance credit hire . Apparently credit hire could fire back on my in some circumstances and I dont want that. Also my insurer told me that If ill use them, then I will have to deal with them direct all the time. Is there any risk?
I haven't been in such position for a very long time, so your advice is much appreciated.
Who do i need to deal with? Their positive and drawbacks?
What would you also recommend in situation like this? I might forgot something important here.
Would my premium go up if it is 2nd non fault claim by me and iam also due to get first point for no accidents this year.
many thanks.
0
Comments
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Personally i'd avoid using my own insurer but have the third party insurer handle everything.0
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Highly likely you will see an increase.denispearl wrote: »Would my premium go up if it is 2nd non fault claim by me and iam also due to get first point for no accidents this year.....
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But you can do dummy quotes now with and without these blots on your record to see what difference they make to your premium.0 -
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denispearl wrote: »Would you elaborate please?
why is that?
Thanks.
Because in the case of using your own insurer you will likely have to pay an excess then have it reimbursed when your insurers are reimbursed by the third party insurer, if the TP insurer delay the payment it'll temporarily impact you financially and can cause complications at renewal if not settled.
In the case of using the TP insurer to deal with it all, they know how much it will cost them and what you expect of them (ie courtersey car) so won't have any nasty surprises when it comes to payment time which could cause problems.
Of course it depends what car it is. If a near new or £30k car i'd want it done by a proper dealership, in which case i'd go for that option. But you haven't said what is it?
Just my opinion anyway.0 -
Because in the case of using your own insurer you will likely have to pay an excess then have it reimbursed when your insurers are reimbursed by the third party insurer, if the TP insurer delay the payment it'll temporarily impact you financially and can cause complications at renewal if not settled.
In the case of using the TP insurer to deal with it all, they know how much it will cost them and what you expect of them (ie courtesy car) so won't have any nasty surprises when it comes to payment time which could cause problems.
Of course it depends what car it is. If a near new or £30k car i'd want it done by a proper dealership, in which case i'd go for that option. But you haven't said what is it?
Just my opinion anyway.
its an audi a4 B6 2003 saloon. this car is close to my heart as a 30k worth car could be be.
why not to go to a proper dealer with my car?0
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