Non fault car accident

geordiepaul2001

Hi all,

I recently returned to my car in a car park to find a note from a lady who had hit my car whilst trying to park her own.
I have spoken to her on the phone and she has asked me if we can settle privately and asked if I will get a quote for the repair.

Where do I stand in doing this?
I appreciate it may to save her being too much out of pocket coming up to Christmas but I don't want to leave myself open to cancelled policies, or rejected claims if she disputes the repair work later down the road.

Cheers,

Paul

Quentin

In that case find out her insurer details and claim directly from them.

It won't cost her anything until her renewal premium. Her insurer will be paying for your repairs hopefully long before Christmas!

Tell your own insurer and make it clear you are not claiming off your own policy and that the third party has admitted liability

gardner1

It's a tricky one because if it all goes tickety boo your cars repaired to good standard and your insurance company know nothing and no mark on your policy
On the other hand you get a quote for repair which is way more than the couple of hundred she's expecting which means you can still claim on your insurance which isn't ideal
Or if she disputes the quote you get tell her she will have claim on her insurance and you contact hers direct and get them to sort your car out......just don't hurry in to contacting your insurance they don't need to know........others will come on here and dispute this saying you have inform insurance company for ALL accidents......it's a cloudy area

Quentin

It's not cloudy at all. It's a condition of your policy!

If you fail to notify your existing insurer or future ones you go to then you give them grounds to cancel your policy.

A cancelled policy normally has to be disclosed for evermore.

Marktheshark

Your insurance will rise for 6 years if you make a claim or report the incident.

Quentin

Marktheshark wrote: »

Your insurance will rise for 6 years if you make a claim or report the incident.

Not necessarily.

You should always shop around for the best deal at renewal.

And most insurers only ask for 5 years history, some less

geordiepaul2001

Will the fact I have protected NCD make a difference?
Also, will the insurer be upset if I report it to a solicitors first who organise courtesy car etc?

Quentin

Your NCD won't be affected at all by you claiming off the third party or using a claim handler.

(Protection is for when you have to make a fault claim)

Your insurer will need to be informed around the same time you instruct your accident management solicitor or the other side's insurer.

Though they won't be "upset" about you doing so