Hit a taxi in slow moving traffic - minor damage, he wants to claim - best option?

Herzlos

Why shouldn't they want their car to look pristine?

Then there's the resale impact / end of lease charges for any damage even if it's minor.

sheslookinhot

DjangoUnchained said:

there is no such thing as minor damage these days unfortunatly.  People ars so obsessed about having their silly metal boxes looking pristine. just let the insurance deal with it.

Are you on the right forum ?

ontheroad1970

derobe said:

I spoke to the owner and he was much calmer than earlier and said he's happy to take it to the garage and let me know the bill rather than go through insurance,. I'm surprised people are saying to let insurance deal with it, depends how much it costs I suppose but for a one off fee compared to being stung for probably close to double the monthly amount I'm paying I'd rather go that route and keep my no claims..

I forgot to mention there were also two passengers in the taxi! Anyone know how it would work if they were to make a claim?!

GO THROUGH YOUR INSURANCE.  This has major alarm bells ringing.  If the passengers get a call "Have you been in an accident? "Just a shunt from behind..."  Call centre agent, "Really? Tell me more..."  Money for nothing and your checks for free to quote Mark Knopfler.  Only one way I would deal with this, mainly because of the passengers and the fact that the taxi driver will want a hire taxi while his car is in for repair...

If you think credit hire is expensive for a normal car imagine what it is for a licensed vehicle - only specialist rental as standard hire cars cannot be used for hire or reward

molerat

I remember the days when I used to drive round central London and the wisdom of given a choice of hitting a Roller or taxi, go for the Roller, it will be cheaper !

Car_54

ontheroad1970 said:

derobe said:

I spoke to the owner and he was much calmer than earlier and said he's happy to take it to the garage and let me know the bill rather than go through insurance,. I'm surprised people are saying to let insurance deal with it, depends how much it costs I suppose but for a one off fee compared to being stung for probably close to double the monthly amount I'm paying I'd rather go that route and keep my no claims..

I forgot to mention there were also two passengers in the taxi! Anyone know how it would work if they were to make a claim?!

."  Money for nothing and your checks for free to quote Mark Knopfler.  

"Misquote" is the word you're looking for ...

derobe

400ixl said:

You have to tell your insurer that you have been in an accident whether you claim or not.

Looks like the damage to the 3rd party is likely to be more than your excess and certainly so with your own damage. You may as well just claim and let them deal with it.

No MOT will not invalidate your insurance. If your car was a write off they could pay you less but that doesn't look like it will be the case given the damage.

Do you have more information. Everything i'm reading is saying no MOT will invalidate my insurance. 

derobe

 Need to make a decision tomorrow morning as taxi driver has said he will go through insurance. I want to follow the advice given here but concerned about the car being out of MOT. It ran out on 6th and car goes in for MOT on the 19th (Saturday). 

Everything online says no MOT invalidates insurance, police officer at the scene warned me the same (said he used to work in car insurance before the police)

Some here saying no MOT does not invalidate - is there more I can read up on this, or is it my particular policy I need to read documents for?

noitsnotme

See here - https://www.pattersonlaw.co.uk/faqs/no-mot-doesnt-invalidate-insurance/

And here, for examples - https://www.pistonheads.com/gassing/topic.asp?h=0&f=10&t=1675707

From the second link…

”A car can be perfectly roadworthy without a MOT. Indeed there are only a handful of Insurers who state that a MOT is required as part of the terms of the Policy. And indeed some Insurers have tried to blag it and refused to pay out where a car that was subject to a claim had no MOT.

Unfortunately for the Insurers, many people have taken their Insurers to the Financial Ombudsman. The FOS has time and time again upheld complaints that the requirement for a MOT is not reason to refuse a payout where the condition of the vehicle has no bearing on the accident. However the Insurer is at liberty to lower the payout to the value of a vehicle without a MOT."

noitsnotme

Also here is a FOS ruling against an insurance company who refused to pay out due to no MOT - https://www.financial-ombudsman.org.uk/decision/DRN4756234.pdf

If you Google for “fos case results no mot” you can find several more.

DullGreyGuy

derobe said:

400ixl said:

You have to tell your insurer that you have been in an accident whether you claim or not.

Looks like the damage to the 3rd party is likely to be more than your excess and certainly so with your own damage. You may as well just claim and let them deal with it.

No MOT will not invalidate your insurance. If your car was a write off they could pay you less but that doesn't look like it will be the case given the damage.

Do you have more information. Everything i'm reading is saying no MOT will invalidate my insurance. 

No, it will devalue your vehicle, if its potentially a total loss, but wouldn't invalidate the insurance.