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Author Topic: Insurance claim after an accident.  (Read 1260 times)

gilbo

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Re: Insurance claim after an accident.
« Reply #15 on: July 19, 2021, 02:14:15 PM »

Ask a silly question but, do the insurance company need to know about it?

If I had an accident where no one else was involved, I would keep quiet, put the vehicle on SORN and set too repairing it myself?

Craig.

My thoughts were similar too however, what if 'other parties' such as the police (blocking the road) or local council (clearing up any debris / glass / collateral damage get involved? One would expect there are 'costs' associated with such activities and they would want to reclaim them from someone?
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Neil Bymouth

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Re: Insurance claim after an accident.
« Reply #16 on: July 19, 2021, 03:36:05 PM »

If you get found out, the insurance company could invalidate your insurance. Any excuse to stop them paying out for future claims.
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Genem

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Re: Insurance claim after an accident.
« Reply #17 on: July 19, 2021, 04:31:43 PM »

^^^^ I doubt it. If you repair the damage to your car, without claiming on them they are quids in. If they made a fuss about people repairing their own vehicle, where would they draw the line, an ebay bumper, a touch-up pencil, rubbing out a scuff with T-cut ?
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w3526602

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Re: Insurance claim after an accident.
« Reply #18 on: July 19, 2021, 05:04:16 PM »

Hi,

Provided that you have, or once had, a driving licence to cover the vehicle that you are driving, and are NOT disqualified, the previously mentioned Road Traffic Acts make it very difficult for the Insurers to resist paying a THIRD PARTY claim. That's INJURY, DAMAGR TO PROPERTY, and PASSENGER LIABILITY.

However ... the same RTA specifically states that there is nothing to prevent the Insurers from suing the Perp, to recover their losses.

I'm not sure that that clause cannot be used  to include legitimate claims, and only the thought of bad publicity, prevents them doing so. Discuss!

Those firms who are rich enough to deposit £1,000,000 (probably more now) are covered for their entire fleet. It seems (from our experience) that they leave the million pounds where it is safe, and resist paying any claims for as long as possible, if ever. ... effectively until everybody is standing on the court room steps.

If you can't afford to fight them, add another £10 to your insurance premium, for LEGAL PROTECTION.  I'm glad we did, but even then it took two years of unanswered correspondence (from our insurers), before everybody met on the courtroom steps.

Perhaps it's lucky that Barbara managed to report the incident to a police driver who was sitting on his elevated platform, above the M4, within minutes of the collision. All the evidence was there ... heavy rain, strong side winds ... dark ... .and no working lamps on the SAAB.  The Sergeant uttered a mighty oath when Britannia Rescue arrived within 20 minutes of Barbara's phone call.

602

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Old Hywel

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Re: Insurance claim after an accident.
« Reply #19 on: July 19, 2021, 06:42:39 PM »

If you get found out, the insurance company could invalidate your insurance. Any excuse to stop them paying out for future claims.
Check your policy, but I think most companies require you to inform them of any ‘incident’.
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Genem

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Re: Insurance claim after an accident.
« Reply #20 on: July 19, 2021, 06:58:20 PM »

Check your policy, but I think most companies require you to inform them of any ‘incident’.

True enough - Mine says "You must report all claims, whether or not they are your fault and whether you plan to make a claim or not. You should call to report your claim as soon as possible and within 12 hours of the incident occurring. "

That said, I'd be willing to suggest that its unenforced and unenforceable.  As per my previous example - do they really want a call about a a small scuff on Tonka - ignorable or even on the Merc, where a bit of T-cut will solve the problem. Perhaps the same scuff would result in a £300+ panel respray on a new car ? ...  I suspect they actually mean "If you damage someone else property/person we want to know..." ? 
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diffwhine

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Re: Insurance claim after an accident.
« Reply #21 on: July 19, 2021, 07:14:33 PM »

That's exactly how I read it.
I've also come to a few extra curricular agreements with third parties over the last few years. Saved a lot of bother. I might add that I was innocent every time!
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Angle Grinder

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Re: Insurance claim after an accident.
« Reply #22 on: July 19, 2021, 07:46:53 PM »

^^^^ I doubt it. If you repair the damage to your car, without claiming on them they are quids in. If they made a fuss about people repairing their own vehicle, where would they draw the line, an ebay bumper, a touch-up pencil, rubbing out a scuff with T-cut ?

Reading these posts with interest I support the above view.

Lets say I am moving my car on my property into my garage and I dent the wing against the garage door post. Or I drive over a deep pot-hole and damage my suspension. I replace/repair the damage or have it done by a specialist. Speaking as someone not claiming to know insurance law, I don't believe I have any obligation to notify anyone.

I can`t imagine why an insurance company would be interested and as Genem has said, where would they draw the line? They`d be inundated with reports of trivial damage and they're whole system would grind to a halt.

On a lighter note, did you hear the one about the insurance claimant, "I was driving home when I saw a man in the middle of the road and he didn't know which way to go, so I ran him over"
 :grinder
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Genem

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Re: Insurance claim after an accident.
« Reply #23 on: July 19, 2021, 08:46:48 PM »

^^^^ On a par with the response to the "What gear were you in at the time of the incident"..... "Boots, Combat trousers and Jersey, Heavy Wool".

 :tiphat
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Tom

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Re: Insurance claim after an accident.
« Reply #24 on: July 20, 2021, 06:48:35 AM »

Not.much experience with the question asked I'm afraid, but glad to hear you are OK!

I was actually looking at photos of DNU just yesterday on the 6dh thread thinking how good it looked (certainly better then when we found it in that field!)

Best of luck!
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stuart

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Re: Insurance claim after an accident.
« Reply #25 on: July 22, 2021, 07:44:34 PM »

my thought is this , did it have a MOT on it , i no you dont need one but your insurer could clame that s was not in road worth condion as you had a break failer , and you could end up with points etc ,

my self i would just take it on the chin and fix it my self , or drop it on a new galv cassis , 
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Wittsend

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Re: Insurance claim after an accident.
« Reply #26 on: July 22, 2021, 08:33:14 PM »

The thing that's not been mentioned in any of the scenarios above - is your excess.

I bet most have an excess set of some sort ??? £100, £200, £500

If your damage is not significantly more than your excess then you cover the cost of repairs out of your pocket.

If you do £210 damage and it's your own fault then if your excess is £200 you are going to pay that yourself and not bother your insurers.

If it's a police job you need to tell your insurers.
You need to tell them if you damage someone else's property or injure someone you most definitely have to inform the police and tell your insurers.

After my little accident earlier this year, the other person's insurance paid for my hire care AND my excess.
Although my records shows I had a "claim" not a blemish on my record - all costs were fully recovered from the other party.

 :RHD
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Sunny Jim

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Re: Insurance claim after an accident.
« Reply #27 on: July 23, 2021, 12:44:26 AM »

Quote
Although my records shows I had a "claim" not a blemish on my record - all costs were fully recovered from the other party.

After my incident with my nearly new car being written off, the claim had still not been settled a year later, but on renewal the Insurance rep agreed that this wasn't my problem and dropped the extra premium that would have been charged and altered my record to 'full recovery made', and didn't ask for the excess to be paid. My insurance actually went down significantly after the incident, something like £60, so I stayed with the company, even though it took them months to sort the new car out. This also put my insurance up on the Land Rover until the car insurance company agreed to mark it as 'recovered' then they (Peter James) knocked the extra they had charged the previous year off my renewal!

Sunny Jim
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w3526602

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Re: Insurance claim after an accident.
« Reply #28 on: July 23, 2021, 06:13:43 AM »

Hi,

I repeat my advice to take out the LEGAL PROTECTION add-on to your policy. It used to be an extra £10 added to your premium. Still?

In the incident involving an articulated "curtain sider" doing a "can opener job" on Barbara's SAAB, on the M4, the owners of the truck (a major super-market), simply ignored all correspondence. As the truck was self insured, what did they have to lose?

Luckily, we had LEGAL PROTECTION, who took over the claim, and even then, it took nearly two years to get the truck's owners into court. They did the proverbial ... and "settled on the courtroom steps"  Our insurers promptly re-instated Barbara's full NCD, and refunded all the extra premiums he'd had to pay.

The SAAB was a write-off, so Barbara had been paying for fully-comp on her first (of several) brand new KIAs.

If we had not had legal-protection, there would have been no way that we could have taken on a major supermarket.

Think about it!

602
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Sunny Jim

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Re: Insurance claim after an accident.
« Reply #29 on: July 23, 2021, 01:25:23 PM »

Quote
I repeat my advice to take out the LEGAL PROTECTION add-on to your policy.

In my case the 'Legal Protection' was next to useless. I got back my numberplate transfer fee and my train fare to go and pick up my new car. I did not get back all the car hire costs I incurred - I used to use my car regularly (and the Land Rover sometimes) for work. They said I should have acted to reduce the value of my claim! In reality, it took from early August to the beginning of October before the Insurance company even ordered the car, and until late December for it to be available for me to collect from Birmingham. I personally think legal cover is pretty over rated, they don't seem to act in the customers interests at all!

Sunny Jim
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