Multiple Insurance Claim

Nikoloas1

Hi, I’m new to this forum so apologies if I’m in the wrong section. My son had a car accident several months ago (his fault and no other car involved) which hasn’t been settled yet due to back log with garage. In the meantime he has had a 2nd ‘mishap’ (his own fault again and no other vehicle involved) and damaged the whole side of his car. My question is will the insurance company still go ahead and pay for the repairs on the first claim or will they now factor in the 2nd claim before deciding on what action to take?
Any advice would be much appreciated

400ixl

Does the damage from the two accidents overlap on the vehicle, or are they to different areas?

Had the car already been assessed from the first accident and the damage identified and costed?

sheslookinhot

Two “own faults” with no third party within a few months ? Insurance company will likely view the total as one repair. However, their suspicion antennas will be twitching.

lincroft1710

I think your son should be worrying about how much his premium will be at renewal

Nikoloas1

Thank you for your replies. Yeah we are very worried what the renewal will be. The first accident hasn’t been costed yet due to back log and holidays at repair centre. The damage is on 2 different areas, it’s a complete nightmare but I guess these things happen and will just have to wait to see what the insurance company says. 

cw8825

depends on the extent of the damage. If the 2nd accident has caused it to be a write off that’s what they will do. 

If both parts are reparable. It would be 2 claims so 2 excesses

if both damage areas added together total
loss the vehicle. That would be 2 excesses 

if the second damage alone is enough to right it off then.  Only the 2nd claim is dealt with and the first is for notification purposes 

what is the car or do you have an idea of the value?

Nikoloas1

Hi, thanks for the helpful and very informative reply. The car is an Audi A4 and has a book price of approximately £6000. He loves the car but is obviously worried about the write off factor as he spent a lot on the car, albeit cosmetically. 

DullGreyGuy

They will consider overall if the vehicle remains economical to repair or not. 

If that isn't a question then they'll just repair the two claims. 

chrisw

Nikoloas1 said:

Hi, thanks for the helpful and very informative reply. The car is an Audi A4 and has a book price of approximately £6000. He loves the car but is obviously worried about the write off factor as he spent a lot on the car, albeit cosmetically. 

I hope that doesn't include undeclared modifications.

prowla

chrisw said:

Nikoloas1 said:

Hi, thanks for the helpful and very informative reply. The car is an Audi A4 and has a book price of approximately £6000. He loves the car but is obviously worried about the write off factor as he spent a lot on the car, albeit cosmetically. 

I hope that doesn't include undeclared modifications.

I'm guessing the insurance company may not cover the cost of the mods, such as a custom paint job.

Penelopa.Pitstop

With whole side damage it will be write off with 6000 car value. Not to mention previous damage.

Wouldn't it be better to sell it in current condition, withdraw previous claim and get different car? 

2 claims on his policy will probably be similar amount as the loss of value and selling at current condition.