Accident - to claim on insurance?

amf

I have a personal lease car and the lease ends in 5 months time.


A couple of days ago I had an accident - my fault. There's a little damage to both cars but I've removed 95% of the scuffs on my car using T cut. I'm left with a small crack in the bumper and a couple of scuffs still to repair.


The other driver and I exchanged names and phone numbers. I have a photo of damage and her reg. I think she has a photo of my reg. She said that her's was a courtesy car - her car is in for repair.


I was thinking about paying for my own damage to be fixed but thought that was daft if the car owner is going to claim against my insurance. I was about to fill in insurance claim online when I realised that I didn't have her address or name/address of registered keeper. I phoned the number she gave and found it to be an invalid number. Strange?


I'm now in a pickle as to whether to claim or not. If she is giving an invalid number is she going to claim? is what I'm thinking. It would be cheaper for me just to pay for my own damage.


Any advice?

SHAFT

She may not claim but the owner of the car might.

The_Rainmaker

SHAFT wrote: »

might.

Will .

shaun_from_Africa

SHAFT wrote: »

She may not claim but the owner of the car might.

The_Rainmaker wrote: »

Will.

If the driver of the other car has insurance that covers them for courtesy vehicles then they may end up having to make the claim themselves.

Car_54

OP, the law requires you to provide your name and address (and those of the car owner) if asked, and you should get those of the other party for your own protection. As you've discovered, phone numbers may not help.

SHAFT

shaun_from_Africa wrote: »

If the driver of the other car has insurance that covers them for courtesy vehicles then they may end up having to make the claim themselves.

Why? Even if they have no insurance they owner of the vehicle would be compensated.

amf

Thanks folks, you've certainly given me a lot to think about. I'm worried about the fact that I only have a name (false?), a phone number (false) and the car reg. Is the insurance company likely to give me a hard time as I don't have the driver's address or the name/address of the registered keeper?


There is something funny going on here. The courtesy car was a Vauxhall Mokka - I think that this would not be a normal courtesy car. The vehicle had nothing advertising that it was a courtesy car. The fact that she gave me a bum phone number. All very strange but it might or might not be relevant, depending on what the truth is?

shaun_from_Africa

SHAFT wrote: »

Why? Even if they have no insurance they owner of the vehicle would be compensated.

I didn't say that the other driver's policy (if they have one covering a courtesy vehicle) will pay out for the damage, simply that they may have to submit the claim to their insurers who could then claim from the OP's insurers.

It could well be a condition of being given a courtesy vehicle that in the event of any accident and you have insurance that cover the vehicle, you are required to submit the claim to their insurers.

SHAFT

shaun_from_Africa wrote: »

I didn't say that the other driver's policy (if they have one covering a courtesy vehicle) will pay out for the damage, simply that they may have to submit the claim to their insurers who could then claim from the OP's insurers.

It could well be a condition of being given a courtesy vehicle that in the event of any accident and you have insurance that cover the vehicle, you are required to submit the claim to their insurers.

Still wouldn't stop the owner claiming direct.

Car_54

amf wrote: »

There is something funny going on here. The courtesy car was a Vauxhall Mokka - I think that this would not be a normal courtesy car. The vehicle had nothing advertising that it was a courtesy car. The fact that she gave me a bum phone number. All very strange but it might or might not be relevant, depending on what the truth is?

Why? If pressed, garages will use anything available - demonstrators, manager's car, etc.

loskie

Mokkas are 10 a penny. Huge numbers on rental fleets so highly likely to be used as a loan car too.