Young driver doesn't want to go through insurance for an accident?

Norman_Castle

I am also worried because I texted him this evening to tell him I have booked in for a quote tomorrow and he immediately texted back and said he has also 'passed my details on to 'someone' and that they will be in touch??

Which is where your agreement ends. Trying to avoid an insurance increase is understandable but then expecting you to accept a cut price repair is unacceptable. Claim from his insurers, thats why he's insured. If your car is written off you may be able to buy it back then repair it yourself.

Charise

Hi all, thanks again. I really appreciate all the replies, and I do take all of it on board.However, thinking with my heart, I am still in a state of turmoil ... and the local garage the other driver has arranged has now contacted me to arrange to give me a quote. I told them no, as I would rather get a quote from my usual garage first. But he does so far seem genuine , and to be keeping to his word. Ideally I would like to be able to inform my insurance about the incident , so I am above board , but still give him the opportunity to pay for the damage ...is that an option do you think? Thanks again for all your time and patience.

Quentin

Yes you can inform your insurer but not make a claim.


But you do have the right to have the car repaired where you want it to go and not the third party's tame garage.


If you want to give the third party a chance you could get a quote from your own garage and see if the third party will pre pay it to the repairer.


You are also entitled to all your other costs (hire car whilst yours is off road/taxi + public transport costs/etc) - will the third party cover those (his insurer will!)


By far your best approach is to contact the third party insurer and see if they will handle your repairs - they will happily do so and provide a replacement car etc if liability is velar cut

Norman_Castle

Quentin wrote: »

By far your best approach is to contact the third party insurer and see if they will handle your repairs - they will happily do so and provide a replacement car etc if liability is velar cut

If they do this can the third party cover the insurers costs and keep their ncb?

Blondetotty

Is he actually insured? If not then by letting him pay for repairs you're effectively letting him get away with it. He might well be genuine but I'd consider asking for his details and if he absolutely refuses then I'd be tempted to contact the Police.

If you claim through your insurance and they cannot get refunded from his insurance company then the claim will be recorded against you.

I feel for you really. A similar thing happened to me last spring. I was ran into the back of although fortunately the young driver did have insurance. I made the claim through my insurance company and although was surprised to be offered 1k for a car I thought was probably realistically valued at less than £400 as a write-off the claim was still on my record at renewal time so had to pay a much higher premium after shopping around. I've clawed some of this back now his insurance company has finally settled with my old one as my premium has been reduced but if it happened again I'd be going direct to HIS insurance company and just notifying mine.

I get trying to be helpful and accommodating to him but not at at a detriment to yourself.

Quentin

Norman_Castle wrote: »

If they do this can the third party cover the insurers costs and keep their ncb?

Yes, whenever your insurer pays out for a claim that is a "fault" claim (ie your NCD is impacted) you can (usually) reimburse your insurer their outlay and get any lost NCD reinstated

Nasqueron

Charise wrote: »

Hi all, thanks again. I really appreciate all the replies, and I do take all of it on board.However, thinking with my heart, I am still in a state of turmoil ... and the local garage the other driver has arranged has now contacted me to arrange to give me a quote. I told them no, as I would rather get a quote from my usual garage first. But he does so far seem genuine , and to be keeping to his word. Ideally I would like to be able to inform my insurance about the incident , so I am above board , but still give him the opportunity to pay for the damage ...is that an option do you think? Thanks again for all your time and patience.

Seems genuine but when he sees the bill he won't be

Charise

Hi, yes he did give me his details, and address and we have checked and it all seems bona fida. He did say he had insurance (and I believed him) but as said before he said he would prefer not to go through it, presumably due to the hike this will cause to his premium. If my car was new I would have no hesitaion in going through insurance, but as it is not I am still considering my options. Does anyone know how soon I would have to let my insurance know if I am going down this route... is there a deadline? Thanks again for all the help.

FutureGirl

You need to tell your insurer about the accident whether you decide to claim via insurance or not, so tell them ASAP, as you're breaching the terms and conditions of your policy otherwise.

There isn't a timescale but the longer you leave it the more questions they'll start asking when you do report it.

forgotmyname

Contact the lad and tell him he needs to inform his insurance.

He has no choice now but to inform his own insurance. The claim is on file.