Insurance

Davidc4

About 5 weeks ago someone reversed into my car, she accepted liability and on the surface it just looked like she had put a few scratches on my bumper so decided to not take it through her insurance. I've since had the vehicle checked and she has cracked the bumper, damaged the crossmember and rear light. She is now saying she has since changed insurers. Will the original company do anything as she was insured with them at the time of the accident?

oh_really

She can settle the bill directly or inform her insurer at the time of the situation, her choice.

tacpot12

Yes, the company she was insured with at the time of the accident will handle the claim. Her new company will not have anything to do with it, but she should inform them of the accident if she has not already done so. 

Davidc4

She is trying to get out of taking it through insurance. Her excess is supposedly less than the repairs which will be around £800. Her suggestion is that I get it repaired and then she reimburses me, I don't have £800 to hand and I'm suspicious that she wouldn't pay anyway. 

She won't tell me who she was originally insured with, luckily I do have text messages admitting liability and her car registration number 🤗

oh_really

Davidc4 said:

She is trying to get out of taking it through insurance. Her excess is supposedly less than the repairs which will be around £800. Her suggestion is that I get it repaired and then she reimburses me, I don't have £800 to hand and I'm suspicious that she wouldn't pay anyway. 

She won't tell me who she was originally insured with, luckily I do have text messages admitting liability and her car registration number 🤗

Get 800 sovs off her and repair (or dont) at your leisure. I wouldnt be surprised if she has an excuse for that one as well.

Did you check she held insurance at the time of the collision?

Aretnap

There is (almost always) no excess to pay on third party claims. She would only have to pay her excess if she was claiming for damage to her own car. 

If you want to go direct to her insurer (or check that she has one) you can get their details from askmid.com for a nominal fee. 

TooManyPoints

Report it to your own insurers (as you are bound to do under the terms of your policy) and let them sort it out. Don't get involved with agreeing cash payments. Such arrangements have a habit of ending badly.

I've never heard of a policy which has an excess for Third Party claims and certainly not one with as much as £800.

Aretnap

TooManyPoints said:

I've never heard of a policy which has an excess for Third Party claims and certainly not one with as much as £800.

XS Direct will sell you a policy with a £3000 excess which applies to all sections. They're very much an outlier though - and squarely aimed at the "sub-prime" market.