had an accident what do i do next

onamission_2

This prat drove out of a side road and has pranged me and dented my passenger side doors. my car literally jumped sideways.
I've swapped details with him - what do i do now as i'm due to fly out of the country in the morning for christmas.

do i have to tell my insurance company as i read lately about them putting it on my records and using as excuse to up my premium at renewal (next month!!!)

my car is an old banger M reg so i guess that i will only get market value for it. is this correct? Do I need to claim as my NCB will probably go bang if he doesn't admit he was at fault.

help?!

Conor_3

You need to tell your insurers. Your premium will go up until the money is reclaimed from the Third Party. At M reg, it'll be written off. Try and provide as much proof as possible regarding the pre-accident condition as they'll try and offer you peanuts. You have up to 3 years to make a claim so don't worry about waiting until you get back from your Xmas break.

Coveredinbees!!!!

He drove in to the side of you how can it not be his fault!!

Conor_3

Depends. If the junction was on a bend and the OP was speeding, it could be argued that the person who pulled out had checked the road was clear and had the OP not been speeding, the accident wouldn't have occured as the third party would have had sufficient time to pull out.

Not saying the OP was at any way in fault but merely pointing out a scenario.

Coveredinbees!!!!

Conor wrote: »

Depends. If the junction was on a bend and the OP was speeding, it could be argued that the person who pulled out had checked the road was clear and had the OP not been speeding, the accident wouldn't have occured as the third party would have had sufficient time to pull out.

Not saying the OP was at any way in fault but merely pointing out a scenario.

Eh ? The bloke drove in to the side of him it can't possibly be his fault

Hagar_uk

Coveredinbees!!!! wrote: »

He drove in to the side of you how can it not be his fault!!

I am just in the middle of such an issue, a coach went up by backside at a roundabout and 14 months on it has still not been resolved. I got the payout but not sure if to pay the excess and lose the no claims

exel1966

onamission wrote: »

This prat drove out of a side road and has pranged me and dented my passenger side doors. my car literally jumped sideways.
I've swapped details with him - what do i do now as i'm due to fly out of the country in the morning for christmas.

do i have to tell my insurance company as i read lately about them putting it on my records and using as excuse to up my premium at renewal (next month!!!)

my car is an old banger M reg so i guess that i will only get market value for it. is this correct? Do I need to claim as my NCB will probably go bang if he doesn't admit he was at fault.

help?!

1. Yes you will have to tell your insurance company. When you return from holiday immediately contact your insurance claims department.

2. Regardless of who's fault the accident is you will still have to declare your claim to other insurance companies when it comes to renewal/change of company. Your premium next year may aslo rise because of this accident regardless of fault. It's harsh, but that's the way it is. Statistically someone who has been in one accident is more likely to have another over someone who's never had an accident.

3. He should not admit fault as insurance companies advise not to admit it !! It's up to the two companies to decide who was at fault. It's not yours or his call.

4. Highly likely your car will be written off. You will be offered less than the market value initially. It's then up to you to haggle for it's worth.

5. You will NOT lose any NCB (if it's decided it wasn't your fault). If it's put down as 50/50 you will, unless you have protected NCB.