Someone reversed into me - Qhere do I stand?

daveyjp

"reduced NCD for something that wasn't my fault"

My car was parked outside a restaurant and was hit by a car going about 40 mph. That wasn't my fault and I was p'd off, but I have fully comprehensive insurance to cover such incidents - as I said its a no CLAIM bonus, not a no FAULT bonus.

Get you insurance company involved and leave it to them - the other party may well have already lodged a claim saying you came up and hit the back of her as she was reversing into the driveway.

You don't have to have next year's insurance with them and insurance is so competetive you will no doubt find a better deal as I did.

nikki&asha

Some one backed into my car last year whilst backing out of a space I was waiting for in a residential road, apparently he didn't see me! Any way I took his details, called HIS insurance company to make claim ( he informed them of accident as well), told them my details etc, who was insured with , they had my car looked at, sorted out the garage to get it fixed, paid for all repairs direct,arranged and paid for courtesy car, informed my insurance etc. I asked my insurance if i would lose my ncb and they said no as i had not claimed through my insurance, that the driver at fault would lose his as his insurance had paid for everything. Renewed insurance 6 months later and ncb still intact and they Know about the accident.
Perhaps if you find out her insurance company this is the route you could go down?

good luck
nikki

Wig

daveyjp wrote: »

"reduced NCD for something that wasn't my fault"

My car was parked outside a restaurant and was hit by a car going about 40 mph. That wasn't my fault and I was p'd off, but I have fully comprehensive insurance to cover such incidents - as I said its a no CLAIM bonus, not a no FAULT bonus.

Whenever I have made a claim through my insurers and it has been proven to be the other drivers fault and excess recovered, my No claims bonus has been re-instated. i.e. not affected at all. Your example was a hit and run, that's different.

I'd be surprised if any insurer penalises your No claims bonus after you have successfully recovered your losses. If they do I want to know who they are so I can avoid them.

Tao81

The driver who hit me was at the scene asserting that it was my fault, which it obviously wasn't.
We exchanged details and when she left she was stating that she wouldn't be making a claim for her slightly dented number plate (which was not visible to me or the witness) and I explained that, although my bumper was obviously damage, as my boot latch was working fine and my cars' paintwork appeared only slightly scathed, I probably wouldn't be taking it any further, but that as it was getting dark by the time we had ended our exchange of difference of opinion regarding where the fault laid and details , I told her I would have to inspect my vehicle more closely in the morning due to it becoming dark at the time and assess the damage more fully before making a final decision.

I have not rung my insurers as after inspecting my car this morning it is fine, apart from a slightly knocked in bumper that really isn't worth the hassle of making a claim for (my car is relatively old) and the driver at fault stated that she will not be pursuing a claim either, so I don't see the need.
However, how do I stand with my insurers if in a couple of days I hear from her insurers that she has in fact, in retrospect, decided to make a claim against me?! :eek:
Will I have done the wrong thing by not telling my insurers that this incident too place?

anewman

Tao81 wrote: »

the driver at fault stated that she will not be pursuing a claim

If I had a penny every time someone said they wouldn't make a claim then went on to I'd be rich. It could have been usedful to take a pic also as it's not unknown for some people to take a hammer to their car to cause as much damage as possible then claim on your insurance.

AFAIK it's part of your duty to inform insurers of any accident. Read your policy document front to back twice. I have to admit I would feel the same in your situation as I would be concerned about potential increases in insurance cost for informing, versus not informing and the potential cost of something going wrong and them going to the insurers with a cobbled together story of how you destroyed their pride and joy.

roddydogs

nikki&asha wrote: »

Some one backed into my car last year whilst backing out of a space I was waiting for in a residential road, apparently he didn't see me! Any way I took his details, called HIS insurance company to make claim ( he informed them of accident as well), told them my details etc, who was insured with , they had my car looked at, sorted out the garage to get it fixed, paid for all repairs direct,arranged and paid for courtesy car, informed my insurance etc. I asked my insurance if i would lose my ncb and they said no as i had not claimed through my insurance, that the driver at fault would lose his as his insurance had paid for everything. Renewed insurance 6 months later and ncb still intact and they Know about the accident.
Perhaps if you find out her insurance company this is the route you could go down?

good luck
nikki

You were very lucky to get someone who owned up-i had a similar thing happen, the Lady got out of her car, apologised, said "claim of my insurance, etc,etc" when i did that i got a letter from my insurance co saying "Its a knock for knock" you cant prove that u wernt moving" No witnesses,. she just changed her story.Probably she got home and hubby said "dont admit it etc" The daft thing is she didnt gain anything as we both had a claim logged against us!!!.......:mad::mad:

nickmack

Tao81 wrote: »

However, how do I stand with my insurers if in a couple of days I hear from her insurers that she has in fact, in retrospect, decided to make a claim against me?! :eek:
Will I have done the wrong thing by not telling my insurers that this incident too place?

They may ask for an explanation why you haven't reported this.

You've already asked your second question and the response is still the same, you should tell your insurer. I know it's not what you want to hear, but the fact remains, you risk further problems if you don't.

LandyAndy

Informing your insurer of an incident is not the same as making a claim so you should tell them and say that at present you do not anticipate a claim.