Who's fault is this?

alastairq

correct....even if one has Third party only cover.

it is important to note down all relevant information at the time of the event.
Including what you see as previous damage.

This is where a small camera, or similar, can come in useful.


It is also worth noting that, in the world of insurance assessors, there can be a huge difference between who they see as being at fault, and what the law may say about things.


and beware the knock-for-knock situation.

has anybody had issues with uninsured losses insurance cover?

cyclonebri1

Quentin wrote: »

Wrong again.

How can you lose your "no claims" if no claim is made?

You inform your insurer of the incident, and mark it "for information only".

Quentin, if you inform your insurance that you have had an accident they WILL hold it against you, matter of fact, claim or no claim.

Question on proposal;

Have you had any accidents or claims in the last 5 years?

Unfair I know but perfectly true, ring your insurance tomorrow and tell them you've toatalled a car but not to worry as the owner says it'd Ok:rotfl: See what happens?

You got it right when you said "You ought to inform your insurance company"

But as said by the OP there is now no need to involve the insurers, so in this case informing them would have been to the disadvantage of the OP:money:

alastairq

insurance company needs to be aware, if only because the third party might subsequently have cliams to make against the insured.....and the company don't like 'surprises?'

I have been involved in collisions in the past......where I have sustained zero noticeable damage..unlike the other party.....and where the other party has been held to blame.......I have informed my insurer, for information purposes only and have retained NCD without question.

chilli_dog

this post is interesting reading.

Shade have you considered asking the lady to sign something when the repairs are complete?

Something like, the repairs are satisfactory and will not pursue this any further?

just in case.

JimmyTheWig

cyclonebri1 wrote: »

Quentin, if you inform your insurance that you have had an accident they WILL hold it against you, matter of fact, claim or no claim.

Question on proposal;

Have you had any accidents or claims in the last 5 years?

Unfair I know but perfectly true, ring your insurance tomorrow and tell them you've toatalled a car but not to worry as the owner says it'd Ok:rotfl: See what happens?

You got it right when you said "You ought to inform your insurance company"

But as said by the OP there is now no need to involve the insurers, so in this case informing them would have been to the disadvantage of the OP:money:

But is this not, in effect, lying to the insurance company? Or if not lying then at least withholding material facts?
And if so, what if the insurance company found out about it if the "lier" then wanted to make a claim for something else later?

cyclonebri1

JimmyTheWig wrote: »

But is this not, in effect, lying to the insurance company? Or if not lying then at least withholding material facts?
And if so, what if the insurance company found out about it if the "lier" then wanted to make a claim for something else later?

In effect and technically yes I supose it is, but in this modern world there seems to be no benefit in being too honest and every disadvantage from being so.

Don't jump untill pushed???;)

Quentin

You still don't see the problem.

You only buy insurance to cover you should you ever need to make a decent claim (apart from "having" to buy it to stay legal, of course).

If the day comes when unfortunately you are involved in a decent claim, then that is when your insurer will ensure they have to pay the claim. If they can show you have kept relevant information from them, then that is the day you will realise why you should have been honest with them all along!

JimmyTheWig

Quentin wrote: »

You still don't see the problem.

You only buy insurance to cover you should you ever need to make a decent claim (apart from "having" to buy it to stay legal, of course).

If the day comes when unfortunately you are involved in a decent claim, then that is when your insurer will ensure they have to pay the claim. If they can show you have kept relevant information from them, then that is the day you will realise why you should have been honest with them all along!

Yeah, wot he said.

cyclonebri1

JimmyTheWig wrote: »

Yeah, wot he said.

Listen guys I am expressing an opinion, I made that very clear, and I stand by what I said.

Personnal (family) experience when notifying insurers of a minor knock that resulted in no claim from either party did result in increased premium do to this the following year, it took a further 2 years to regain former ground.

When Pottermuss raised this subject he inferred that both cars were very old and possibly there would not be a claim, not stated but a possiblity, which is why I posted. This is exactly what did happen eventually so I remain convinced that under the circumstances it was the practical thing to do.

There is no prize for being the 1st party to inform the insurer and inevitably you will hear very quickly if it does reach the stage of their involvement.

I liken the situation to walking into a police station and telling them to fine you because youv'e just broken the speed limit, personally I'd sooner wait for the letter to arrive.;)