Car rolled with Handbrake on

MEM62

bargainhunter121 said:

I offered to pay for the damage but he's insisting it goes through insurance. 

bargainhunter121 said:

Am I better to just go through insurance?

The first statement dictates that you have no choice in respect of the second.  If he wants it to be dealt with via an insurance claim that it what will happen.

Car_54

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

Goudy

Car_54 said:

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

There is nothing stopping someone not claiming on their insurance policy.

Both parties are quite within their right not to settle this with an insurance claim.

They are only required to disclose the accident, neither have to claim.

Claims and accidents aren't the same thing.
You can have a claim on your insurance file.
You can have an accident without a claim on your insurance file.
You can also have both.

daveyjp

Car_54 said:

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

Via insurance fo do what?  How can not makimg a claim be fraud?  

Goudy

daveyjp said:

Car_54 said:

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

Via insurance fo do what?  How can not makimg a claim be fraud?  

I presume the poster made a reading error.
It looks like they mistook not making a claim for not informing the insurance company of an incident.
My post, which was quoted clearly mentions trying not to have a claim on file.

Not informing the insurance might be considered fraud, not claiming certainly isn't.

Perhaps their over eagerness to contribute has caused them to reply too quickly and now is likely to confuse the OP.

There is a difference between the two, mainly making a claim costs the insurance company.
Just reporting the incident you have settled yourself should cost the insurance company nothing.

If you do settle yourself the insurance company will want to know some of the details, like who paid what to who for what.

No doubt the OP's "risk" will change when it comes to future premiums, but a claim (even a small one) will have more effect on that than an small accident the proposer settled themselves as there has been no claim.

Insurance companies ask for "any claims, losses and accidents" when quoting premiums as they too see the difference.

Another benefit would be the third party wouldn't be at risk of a total loss due to over inflated repairs once insurance gets involved.

No one is being defrauded by doing it this way.

Car_54

Goudy said:

Car_54 said:

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

There is nothing stopping someone not claiming on their insurance policy.

Both parties are quite within their right not to settle this with an insurance claim.

They are only required to disclose the accident, neither have to claim.

Claims and accidents aren't the same thing.
You can have a claim on your insurance file.
You can have an accident without a claim on your insurance file.
You can also have both.

But the TP has made a claim. The OP is obliged to tell his insurer.

Car_54

daveyjp said:

Car_54 said:

Goudy said:

It sounds like it would benefit you both to sort this out between yourselves.
If you both went via your insurance companies you will both have a claim on file, yours a fault, theirs's a non fault.

You need to talk to them, explain and discuss the various options but at the end of the day you are at fault so you aren't in the best position to negotiate, but common sense might prevail.

This will obviously effect future premiums for both of you if you went via the insurance, even with protected no claims.

If they don't go via insurance, they're both committing fraud. And conspiracy.

How can not makimg a claim be fraud?  

Not making a claim is fine. Not telling the insurer about the incident is not.