Drunk driver crashed into my car today

huckster

How old is this BMW ? If the market value is lowish compared to official BMW parts and labour, then could it be a write off ?

This might inform how you proceed.

gemmylouise

worried_jim wrote: »

Use their insurance 100% all day long. It's not, nor should it, be your problem.

I had 2 hours sleep last night! Your right it shouldn't be my worry! Thanks

gemmylouise

Tigsteroonie wrote: »

Was she actually insured? The husband's attempts to get you to settle without involving insurers would suggest otherwise.

Personally I wouldn't settle privately - you'll end up in dispute regarding how much has been spent, the quality of repairs etc. Leave it to your insurance company to sort out.

Police have confirmed that her vehicle was insured on her husbands trade policy and she was listed as a named driver. The police said i will be covered but she will not because of the drink driving... I assume that means my insurance company can ask her to pay my excess.

I think your right in saying leave it to the insurance company. Thanks

gemmylouise

Enterprise_1701C wrote: »

Even if you do not go through the insurers, you will still have to declare the accident to your insurers and to any future insurers for the normal time.

You might as well go through insurance companies, it is what they are there for, it should be no loss to yourselves, and if you agree for the husband to pay you risk him turning round and saying it is nothing to do with them and refusing to pay.

This is helpful thanks, if I have to declare them I feel I may as well claim!

gemmylouise

huckster wrote: »

How old is this BMW ? If the market value is lowish compared to official BMW parts and labour, then could it be a write off ?

This might inform how you proceed.

Hiya, I have a one series 2005 plate BMW. I looked at market value online and it says average £2500-£3000. It needs front bumper, fog light, wing and tyre on my inspection! Do you junk that sounds like a write off?

Quentin

Yes it could well be a write off.


(Doesn't stop you claiming off the third party insurer)

gemmylouise

Quentin wrote: »

Yes it could well be a write off.


(Doesn't stop you claiming off the third party insurer)

Thanks for all these replies it looks like the best thing to do is to claim through the insurance

dacouch

Do you know the name of the other drivers Insurers?

Quentin

gemmylouise wrote: »

Thanks for all these replies it looks like the best thing to do is to claim through the insurance

The "best" thing to do would be to see if the third party insurer will deal with your claim (see #8)


All you would need to do at this stage is tell your own insurer about the incident and make it clear it is for information only at this stage as you will be claiming directly off the third party.


Then if anything goes wrong with the third party claim you can still make a claim on your own policy (assuming you have comprehensive cover)


Claiming off the third party insurer means you have no excess to pay (and subsequently claim back off the third party) and no (temporary) impact on any unprotected NCD you may have.

huckster

dacouch wrote: »

Do you know the name of the other drivers Insurers?

Dacouch, you now about these trade policies. Do you think it is possible that the third parties trade policy insurers might not be happy with a claim ?

Sounds like the wife borrowed one of her husbands trade cars, got drunk and crashed into another car. Was she even insured to drive the car ?

I should imagine that the OP might be met with an unhelpful response contacting the third party trade insurers. They would have to contact their policyholder anyway to find out what happened.

Given the possibility of a write off and gaining agreement on a settlement as quickly as possible, it might be easier for the OP to deal with her own insurers ?