Car insurance

CTFCdad

Hello,
first time use and first post so hoping maybe someone can help.

my son bought his first car last year after working for 3 or 4 years to be able to afford one.  Unfortunately after a week into a new job he was travelling home when a lorry crashed into him writing off his new pride and joy.

it has taken nearly a year to finally get a new car sorted with the dealer and finance company constant delays and chasing up.

my question is he now is looking for insurance but neither of us are sure how we go about the section of claims and fault.  Obviously we have put he has claimed but when it comes to fault we’re not sure.  It was a 50/50 settlement in the end, which option should he pick at fault or third party fault?  There isn’t a middle option so we’re not sure which one would be right, obviously we don’t want to make a mistake and void his new policy.

chrisw

Fault in terms of car insurance means did his insurance company have to pay out. As they did, this will be classed as a fault claim.

if his insurance company had reclaimed their money from a third party, this would be considered as non-fault.