Who to claim through.

itch_for_a_glitch

Hi, looking for a bit of advice for one of my kids.
While stationary and indicating right a car ran into the back of the vehicle, the driver got out and apologized, admitted liability and gave his name address and phone number, saying it was a company car.
My question is, should my kid go through their own insurance (fully comp) or should they try to go direct to the insurance company of the other driver ?

TIA

dannyrst

Insurance company of the other side, if they still admit liability.

Ebe_Scrooge

dannyrst wrote: »

Insurance company of the other side, if they still admit liability.

Agreed. Though the OP says that the other vehicle ran into the back of their kid's car, so it should be fairly cut 'n' dried anyhow - you run into the back of someone, it's pretty much always your fault no question.


OP, were there any independent witnesses ? If there were then you've got no problem at all.

itch_for_a_glitch

Ebe_Scrooge wrote: »

Agreed. Though the OP says that the other vehicle ran into the back of their kid's car, so it should be fairly cut 'n' dried anyhow - you run into the back of someone, it's pretty much always your fault no question.


OP, were there any independent witnesses ? If there were then you've got no problem at all.

No. no witnesses

Ebe_Scrooge

OK, that's a shame, but you really should still have no problems - as I said, if someone runs into the back of you they have to come up with a pretty damn convincing excuse to dodge the blame. The default position is that it's their fault. Claim off their insurance.

forgotmyname

Don't forget they still need to notify their own insurer of the incident.

pompeyrich

Sorry to hear this Itch, as they have fully comp, I would let his/her own insurance company know and let them deal with the other parties insurance. Be prepared for numerous calls from PI "lawyers" regarding the accident, whether was any injury or not, my lad still gets them 3 years after his accident.

itch_for_a_glitch

forgotmyname wrote: »

Don't forget they still need to notify their own insurer of the incident.

Already done.
They offered two option, firstly the insurer chasing the claim and my kid having their NCB/excess at a "risk", or another company taking on the third party, apparently they look over the facts and only take on cases they will win.
It all seemed over-complicated to me (I havent claimed in forty years), so we put my kids insurer on hold while I asked some "experts" lol.

Ebe_Scrooge

itch_for_a_glitch wrote: »

Already done.
They offered two option, firstly the insurer chasing the claim and my kid having their NCB/excess at a "risk", or another company taking on the third party, apparently they look over the facts and only take on cases they will win.

I'd hand it over to your insurer. Someone runs into the back of you, it's their fault, end of ( unless you were doing something silly like having no lights on at night, in which case they may try and argue it ).

"Another company taking over the case" ? Forget that, scumbag ambulance chasers. I'm honestly surprised that any reputable insurer would even suggest that.

If it really is, as you say, a simple case of someone running into the back of you ( when I say "you" I mean your offspring ! ), then it's an open & shut case - let your insurance deal with it, you're not to blame. And judging from your post-count, you're not some new-comer troll, so I'm inclined to believe what you're telling us

rudekid48

If he claims against his own policy he'll have to pay his excess and then claim it back from the other insurer, the claim could also drag on for longer while his own insurer recovers their outlay, meaning that his NCD will be reduced until it's settled.

If his own insurer put him onto a claims handling company to handle the claim against the TP for him then they will milk it for everything they can with expensive credit hire car etc. This can also make the claim drag on.

In a case like this where liability is clear, if he goes direct to the TP insurer they will probably be falling over themselves to get him sorted asap including giving him a hire car straight away. They want to keep the cost down so they'll act quickly. The downside is that he cannot take the TP insurer to the FOS if they screw up the claim whereas he can with his own insurer. Oh, and he won't have to pay his excess.

One last thing, based on your contributions in DT, I'm surprised it wasn't the right wing that got mashed

itch_for_a_glitch

rudekid48 wrote: »

If he claims against his own policy he'll have to pay his excess and then claim it back from the other insurer, the claim could also drag on for longer while his own insurer recovers their outlay, meaning that his NCD will be reduced until it's settled.

If his own insurer put him onto a claims handling company to handle the claim against the TP for him then they will milk it for everything they can with expensive credit hire car etc. This can also make the claim drag on.

In a case like this where liability is clear, if he goes direct to the TP insurer they will probably be falling over themselves to get him sorted asap including giving him a hire car straight away. They want to keep the cost down so they'll act quickly. The downside is that he cannot take the TP insurer to the FOS if they screw up the claim whereas he can with his own insurer. Oh, and he won't have to pay his excess.

One last thing, based on your contributions in DT, I'm surprised it wasn't the right wing that got mashed

lol

I had a quick look and I think, if anything, it was the nearside that took a slightly heavier impact. The nearside light cluster seems forward, but I always thought the left (nearside) seemed a little dimmer anyway.;)