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Delayed car insurance claim
ambroze
Posts: 60 Forumite
Hi, not sure if this is in the right section, but I'm a little concerned about a delayed claim on my insurance.
I'm a new driver and have only been driving for 3 years and for the first time last April 2015 I nudged a car in a car park and caused a few minor scratches on this guys wheel arch ( not his but his company's car). We swapped details and I awaited a response. I did not hear from him or his company and so figured he had written the scratches off and got if fixed with cash. I purchased new car insurance in December only to now receive in Feb 2016 a letter from a third party saying the are trying to get hold of me to sort out the insurance claim for this accident. 10 months later! Where do I stand legally? I have claimed 3 years no claim bonus on my new policy...what do I do next?
I'm a new driver and have only been driving for 3 years and for the first time last April 2015 I nudged a car in a car park and caused a few minor scratches on this guys wheel arch ( not his but his company's car). We swapped details and I awaited a response. I did not hear from him or his company and so figured he had written the scratches off and got if fixed with cash. I purchased new car insurance in December only to now receive in Feb 2016 a letter from a third party saying the are trying to get hold of me to sort out the insurance claim for this accident. 10 months later! Where do I stand legally? I have claimed 3 years no claim bonus on my new policy...what do I do next?
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Comments
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Hi, I manage our company's fleet insurance (among other things). Our broker has informed us that all incidents should be reported as the other party(parties) have three years in which to claim. I have done exactly this with regard to a bump which is not yet claimed, and which I hope is not claimed on. The reason for this is that memories fade over time.
Someone better qualified may come along to correct me, but I believe it will be the responsibility of the insuror at the time to pay for this.“And all shall be well. And all shall be well. And all manner of things shall be exceeding well.”
― Julian of Norwich
In other words, Don't Panic!0 -
This thread needs to be posted on the general insurance board.0
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