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Suing for a car accident
Comments
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Returnoftony said:If you sue you will lose it not america.
Or is the point you are trying to make that every person in the UK that takes someone else to court loses because it is not USA, with judges rulling everytime: 'Not.Gulty. This is not America'0 -
Mishomeister said:Returnoftony said:If you sue you will lose it not america.4
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You were advised 3 months ago in your previous thread to let your insurance deal with this...
or is this another car and a different incident?Should've = Should HAVE (not 'of')
Would've = Would HAVE (not 'of')
No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)3 -
Mishomeister said:bris said:You claim on your insurance, did you not know thats why you buy it in the first place?If it's a non fault RTC, then you wont lose your exess as you'll be claiming in the other persons insurance.You'll suffer the same in regards to NCB, as you have declared and will have to declare it going forward anyway.
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Mishomeister said:bris said:You claim on your insurance, did you not know thats why you buy it in the first place?0
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DoaM said:Mishomeister said:bris said:You claim on your insurance, did you not know thats why you buy it in the first place?0
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Court should always be the last resort. A judge may well be of the opinion this is a matter for the insurance company. The other party would have a very persuasive defence.2
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Exactly what @waamo said, a judge would not be impressed with this claim and could likely through it out. It's a waste of courts time as this is what insurance is for.
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The damage is already done, this accident fault or no fault will have to be declared every time you renew your insurance for the next 5 years. You won't have an excess because it's a third party loss that their insurers pay. I really don't think you know how this works. You have an crash, your insurers deal with it simple really.
You can sue but you will get no where except a scalding by the judge for a needless claim, you will almost definitely get costs awarded against you too.0 -
Mishomeister said:I understand what you are saying, however my insurance has explicitely told me thatvas their assessor company said that the car will be likely written off. I either do a full claim affecting my NCB on my insurance and have to pay excess on it, or deal myself directly witg third party insurance on my own.
The loss of NCB only happens when your insurer suffers a loss from your policy.
The same goes for your excess. You normally only end up losing the excess amount when claiming from your policy, not when claiming against the policy of another driver.
You may initially have to pay but it can generally be recovered from the other driver's insurers.0
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