car hit my parked car

mrchimps

Hi,

Yesterday whilst parked at work another car bumped into my car causing broken headlight, damaged panel & bumper.

The chap was good enough to come in and report it and he has admitted liability and his company has rang me this is where my dilemma begins.

I spoke to my insurance people as soon as it happened to start the ball rolling and they have logged it and started working on it, but last night his insurance rang and said they will deal with it all to keep their costs down. Same service, courtesy car, mine taken away and fixed & they also offered £100 for the inconvenience.

So who do I go with?

bengalknights

Personally if you can deal without the insurance i would do so as they have this habit of increasing premiums even when not at fault

Quentin

If your insurer is already working on your car then it's too late to claim elsewhere.

But if you mean they are progressing the claim through their system then contact them asap and see if you can cancel your claim without charge and take up the offered service by the third party insurer

mrchimps

Many thanks for the replies.

Car is still with me, and only just started the claim.

Will give them a call.

Ta

Alter_ego

Now that your insurer is aware, they will keep it on record and may up your premium. Also don't forget to declare it on future proposal forms if asked.

neilmcl

Your insurer should've explained that you will need to pay the excess if they deal with it, however this will not be the case if you go with the TP insurer directly.

mrchimps

they did say the excess would be waived as hes admitted liability

mrchimps

Alter_ego wrote: »

Now that your insurer is aware, they will keep it on record and may up your premium. Also don't forget to declare it on future proposal forms if asked.

I thought you had to let your insurance company know of any incident regardless?

Quentin

mrchimps wrote: »

I thought you had to let your insurance company know of any incident regardless?

Yes - all set out in the policy conditions.


Though most of us would only disclose incidents that involved an insurance claim (eg not bother telling them about self inflicted scrapes that you either ignore or repair at your own cost etc)

Geodark

Alter_ego wrote: »

Now that your insurer is aware, they will keep it on record and may up your premium. Also don't forget to declare it on future proposal forms if asked.

And if they hadn't there would have been an entry on the MIB from the other insurance company and he would have ran the risk of having his insurance cancelled! He did the right thing contacting his insurance company.

mattyprice4004

The 3rd party company will be keen to handle it to avoid excessive hire car costs and other bits and pieces your insurance co will charge them for handling the claim.
I'd definitely go with the 3rd party, you'll find they'll bend over backwards to help!