Who's fault is this?

cyclonebri1

MrsE wrote: »

That is a personal choice & opinion, to which you are well entitled.

I was just pointing out that if someone were to reverse into my 6 month old car, I would ONLY want to take it to the dealers.
If you reverse into someone, you have to make amends. If you don't want it to go through the insurance, then you have to let them choose the garage, not tell them where you want them to have it repaired.


Someone drove into my husband, he said to the man "give me £20 & I will get some T-cut and stuff & polish it out". Bloke said "blow off (Used a stronger word) you are taking the mick (used a stronger word), I'll give you £5".

Hubby said, "leave it, we will let the insurance sort it out, I was trying to do you a favour".

The mans insurance had to pay for a licenced hire & reward rental car while the car was being fixed by the main dealer. The final bill went into hundreds rather than £20, but the guy was an ar5e.

Sorry, that wasn't meant as any sort of jibe at you. For what it's worth I would take exactly the same view as you and take it where I wanted. We have a 3rd generation bodyshop not 200 yds from where I live who carryout exceptional repair work. My point, probably badly aimed, was that its not always wise to assume main dealer = best job;)

MrsE_2

cyclonebri1 wrote: »

Sorry, that wasn't meant as any sort of jibe at you. For what it's worth I would take exactly the same view as you and take it where I wanted. We have a 3rd generation bodyshop not 200 yds from where I live who carryout exceptional repair work. My point, probably badly aimed, was that its not always wise to assume main dealer = best job;)

I didn't take it as a jibe, sorry if my reply sounded like that:o

I just meant for the OP, that the person they reversed into, has the right to go through the insurers & claim for a rental car too, so they best stop thinking that they are calling the shots, because they are not.

If they take a snotty attitude (& I'm not saying they are) with the person (as someone did with my DH) they may just turn around & say, let the insurance sort it & it will cost a lot more in the long run.

JimmyTheWig

Quentin wrote: »

You won't be making a claim!

The third party can either claim on her insurance (who, on hearing the details will contact you/your insurers), or claim directly off you (or your insurer).

You (or your insurers if you want them to) will then pay her damages. If you let your insurers pay, then you won't have to pay anything towards this incident.

But your premium will increase at renewal.

Is this seriously the case?
If driver A hits driver B, who pays the excess?
Who loses their no claims discount?

Quentin

Driver B claims as a third party against Driver A (or Driver A's insurance company)

Driver A (or his insurance company pay the claim).

There is no excess to pay. Driver A (or his insurance company) pay the full cost of the incident to Driver B.

If Driver A's insurance company have paid, then Driver A loses ncb.

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If Driver B just claims off his own insurance company, then they will pay for the damage, but will charge Driver B his excess. He in turn must recover this from Driver A.

In this case, unless Driver B's Insurance Company make a full recovery of their outlay from Driver A (or his insurance company), then Driver B would lose ncb.

JimmyTheWig

Thanks Quentin.
Presumably driver B would only do the second option if he didn't know who had caused the accident (i.e. hit and run)?

I find it hard to believe that an insurance company would pay out without anyone having to pay an excess. But you sound like you know what you're talking about...

Quentin

If you have comprehensive insurance, then many might follow the "second option" - it means you can get on with the repairs straight away, don't have the hassle of "taking on" the other driver (or his insurance comnpany) yourself and don't have to pay and reclaim all the bills involved. All you have to do is leave it to your insurer's to sort out (BUT, yes, pay any excess and have to reclaim that yourself off the other driver).

I don't really understand why you find it hard to believe insurance companies pay claims to third parties without deducting an excess - if you have comprehensive insurance yourself you could have a look at your policy to see under which sections they deduct the excess, rather than rely on someone posting in a public forum!

Shade_2

Mrs E you've misunderstood me. I wasn't telling the other party where to take her car for repair. I recommended a local garage (I can't remember if I mentioned this) but I also told her to look around for a few more quotes. By no means I wasn't calling the shots, but I did fully intend to dig my heels in with the dealer but I've said that already.

By all means if a dealer is your regular garage then yes you go to the dealer. I'm not disputing that. Anyway we've found a garage we mutually agree on who recommends the work & the car is booked in for repair next week. Will I need to get written proof from her that she's received payment?

cyclonebri1

I think you know the answer to that one.

This is "business", not dealing casually with friends, definately get a reciept if you pay her.;)

Quentin

Write it out yourself and mark the receipt "In full and final settlement of the incident on **insert date**. This is not an admission of liability", and get it signed.

Shade_2

Thank you for your help. I have sorted out the receipt & it's all signed.