Non fault accident

dranaes

Had non fault mini round about accident so stressed out and afraid of driving as second accident in first year of driving. First one was my fault and still ongoing. My car is on finance possible 99.9 percent write off. Other party accepted liability but her insurance company tried to convince me to deal directly. I didn’t trust themsomade a claim which probably means I pay excess. My car is a write off so will gap cover the difference how does it work.
Your thoughts on did I make right choice to claim via my own insurance. Reason was I read a story in which a nonfault driver paid over 4000 due to trusting third party insurance. It would’ve gone on my history anyway as information only claim.
Secondly, my car is a write off as two airbags went off. Car is on finance and I am so put off driving but cannot use public transport to work. Anyone else had similar experience thanks for reading

Warwick_Hunt

Have you got any witnesses to the accident? If not 50/50 is the most likely outcome so it!!!8217;ll be two at fault claims.

unholyangel

What about taking a defensive driving course to help get your confidence back up?

As for the insurance, if you have gap insurance then that should cover any shortfall between what the insurance company pay out for the car and what the settlement balance is for your finance.

Generally third party insurers try to get you to deal direct with them as it helps keep costs down - this is particularly true where claim management companies are involved (who tend to have extortionate charges which are then passed on to motorists via premiums).

Also, I believe you can usually recover your excess from the third party insurers.

Warwick_Hunt

unholyangel wrote: »

What about taking a defensive driving course to help get your confidence back up?

As for the insurance, if you have gap insurance then that should cover any shortfall between what the insurance company pay out for the car and what the settlement balance is for your finance.

Generally third party insurers try to get you to deal direct with them as it helps keep costs down - this is particularly true where claim management companies are involved (who tend to have extortionate charges which are then passed on to motorists via premiums).

Also, I believe you can usually recover your excess from the third party insurers.

If he deals with the third party insurance there won’t be an excess.

unholyangel

Warwick_Hunt wrote: »

If he deals with the third party insurance there won’t be an excess.

Yes but OP said (at least I think he did) that he has already claimed via his own as he didn't trust the third party.

Warwick_Hunt

unholyangel wrote: »

Yes but OP said (at least I think he did) that he has already claimed via his own as he didn't trust the third party.

Who will doubtless but it in the hands of a management company leaving the op exactly where he doesn’t want to be.