No Fault Insurance Claim

EssexExile

We claimed off our insurer, LV=, after we were hit while parked. It all went very smoothly, we weren't out of pocket at all. Our premium even went down the next year!

[Deleted User]

The other big pro of going to the third party insurer is that you can add your increased premiums to the cost of the claim.

Your premiums will go up now.

olgadapolga

lisyloo said:

otherwise they’ll have to drive 2 cars back so they have one to drive back in.

The last two times DH had his (damaged but driveable) car collected for repair, they sent a recovery truck. 

Sandtree

olgadapolga said:

lisyloo said:

otherwise they’ll have to drive 2 cars back so they have one to drive back in.

The last two times DH had his (damaged but driveable) car collected for repair, they sent a recovery truck. 

It is often the case... unfortunately what a customer considers to be drivable and what the law does isn't always the same and the garage doesn't really want to send around their guys intending to drive the car back only to find the indicator is smashed and so not legally roadworthy and a potential risk for their driver or an argument with the customer.

drlabman

lisyloo said:

drlabman said:

lisyloo said:

I would check about the courtesy car.
that is actually easier for them otherwise they need to send 2 people to drive 2 cars back.
they might want to leave one with you just so the dropper off can get back again.

worth checking

I checked with LV.  I won't be charged for collection/delivery.  LV will recover those costs from esure.

I wasn’t referring to a cost.
it was just if you minded a car being left on your drive.
im not saying they will, but when they person drives back to collect they will be careless after dropping it off. For short jobs sometimes it’s actually easier for them to leave a car with you so they can travel back, even if you don’t want the car.
otherwise they’ll have to drive 2 cars back so they have one to drive back in.

If they want to leave a second car here, surely that's up to them.  It won't be going on our drive regardless.