Whiplash claim their insurance or mine?

ben100000

About a week ago someone hit into the side of my car which they were at fault for & accepted responsibility. Their insurance got in touch & have provided me with a courtesy car. I informed my insurance provider to declare it on an information only basis. A couple of days after I started feeling neck pain. The other parties insurance have said they can deal with the whiplash claim & my insurance have also provided details on who to call from their end to deal with any whiplash claim. So who should I go with?

Mark_d

I would always go via my insurer rather than deal with the third party insurer.  You insurer is working in you best interests but ultimately the money will come from the third party's insurer.

ben100000

Mark_d said:

I would always go via my insurer rather than deal with the third party insurer.  You insurer is working in you best interests but ultimately the money will come from the third party's insurer.

My only worry with going with my own insurer is that will this not then become an active claim on my part? As at the moment it is only down as information only. I do not want to do anything that will further increase my premiums for when I insure a car in the future.

DullGreyGuy

ben100000 said:

Mark_d said:

I would always go via my insurer rather than deal with the third party insurer.  You insurer is working in you best interests but ultimately the money will come from the third party's insurer.

My only worry with going with my own insurer is that will this not then become an active claim on my part? As at the moment it is only down as information only. I do not want to do anything that will further increase my premiums for when I insure a car in the future.

Your insurers can answer that Q for you, it's most likely going to be system/process dependent. 

In my day a "claims notification" was just a claim, you just shut it as soon as you open it. To do an LE claim you would have to open the claim because the system knew which law firms owned which postcode area and to send them the system generated email but you then could close it immediately after in Motor... in Home the claim had to stay open but thats due to the difference in the commercial agreements with the solicitor firms.