[Misc] Car insurance query

[Brian Potter]

Even if there is footage, you still need to show that they were liable, ie they failed to get over or were going way too fast.
.

This is true. On a narrow lane, unless you can see he is way over (speed of the the other vehicle can be very hard to prove) then the insurers may end up settling 50/50. So there would still be costs for your insurer to pick up, meaning a claim on your policy.

 

[East Staffs Gull]

We’ve a friend who deals with motor claims and, in a similar instance in which we were involved, she advised us not to even inform our insurers, as some insurers will penalise you on future premiums just because you were innocently involved in an accident.

 

[Springal]

We’ve a friend who deals with motor claims and, in a similar instance in which we were involved, she advised us not to even inform our insurers, as some insurers will penalise you on future premiums just because you were innocently involved in an accident.

That was my understanding / thoughts hence my original response

 

[The Maharajah of Sydney]

If its auto folding with indicators then about £500 for a genuine part from Toyota

Yep, that's right.
Happened to me here in Sydney along busy Parramatta Rd in rush-hour when a truck in the lane next to me smashed into it and drove off.
Was auto-folding with indicators on an i30. Hyundai quoted $600 for a new genuine part, $270 to spray paint it and $300 labour to install it.
That's 5% of of what the car had cost new !!
Bought one from a wreckers for $250 and the guys at my local auto-electrician fitted it for $100.

 

[Guinness Boy]

We’ve a friend who deals with motor claims and, in a similar instance in which we were involved, she advised us not to even inform our insurers, as some insurers will penalise you on future premiums just because you were innocently involved in an accident.

The more data an insurer has the more likely this is. An underwriter would likely see you as a greater risk and greater risk always comes with a higher price. Any contact with an insurer regarding an accident is likely to go into CUE and that data is then available to all insurers.

I'd not be going anywhere near an insurer for a £100 claim that might be split on a £500 excess policy. It makes no sense. Unfortunately OP you might have to suck this one up.

 

[happypig]

Even if there is footage, you still need to show that they were liable, ie they failed to get over or were going way too fast.

As for cost, I replaced a wing mirror on my Yaris for about £60. Got the parts online and the spray paint for the plastic cover from Halfords.

The video clearly shows that he is about 4 feet from the kerb, so he had plenty of room to pass without hitting me.

Anyways, I've informed OB and my insurers so will see what happens.

 

[studio150]

The more data an insurer has the more likely this is. An underwriter would likely see you as a greater risk and greater risk always comes with a higher price. Any contact with an insurer regarding an accident is likely to go into CUE and that data is then available to all insurers.

I'd not be going anywhere near an insurer for a £100 claim that might be split on a £500 excess policy. It makes no sense. Unfortunately OP you might have to suck this one up.

Solid advice when the other driver claims that not only was their mirror damaged but the entire wing of their vehicle was damaged, and their Insurer contacts you seeking several thousand pounds to repair their clients vehicle, You then contact your Insurer several months after the event, they then inform you that you have breached your policy conditions by failing to report any incident, and therefore pay the other Insurer and seek their money back from you.

 

[upthealbion1970]

How old is the Yaris?

 

[happypig]

How old is the Yaris?

2017 model

 

[Garage_Doors]

Oh yes. clear footage that shows the other car's reg.



I won't be claiming for it as I have £400 excess and I can fix it for less than £100, but if I can get the cost of doing it off the other feller, then I will.

Even though you are not claiming your insurance company will still mark you down as having an accident and premiums likely to rise next year.
Would have been best if you did not inform them if you have no intention of claiming.

 

[Garage_Doors]

We’ve a friend who deals with motor claims and, in a similar instance in which we were involved, she advised us not to even inform our insurers, as some insurers will penalise you on future premiums just because you were innocently involved in an accident.

This is exactly right, a few years ago i had two no fault accidents in two days! Both were settled by the other parties insurance, but come renewal time my premiums went up and explained to me it was because although my no claims was not reduced, because i had the accidents i was a higher risk hence increased premiums !

 

[upthealbion1970]

2017 model

Does the mirror look like this?

It’s a lousy picture, has got indicator built in

 

[METALMICKY]

About 6 weeks ago I returned to my parked car and immediately noticed that the rear offside wheel arch area was damaged ( later I also noted damage to alloys). Whilst inspecting my car the third party emerged from her vehicle parked next to me and immediately apologised as she believed she had hit my car whilst parking. We both inspected the damage and it was clear that the red paint on my damage was from her car. At no point did she attempt to deny this and she accepted fault and was very polite. With regard to repairing my car she suggested I could get a private quote for the damage and pass on to her. I acknowledged this with the caveat that we may still need to go through the insurance.

I did obtain a quote for £300 but via a series of texts she baulked at that with a vague suggestion that she " had a friend " who could fix it for £200. She didn't even confirm whether this estimate was from a proper auto repair body shop. I rejected her offer and suggested that the insurance companies would need to sort it out. I wanted the best possible repair for my car and not a potential botch job from a " friend ". All relevant details were exchanged and photos had been taken at the scene including both cars.

On reporting the incident to my insurers it was duly passed on to an accident management firm called Kindertons. What could go wrong I thought as she admitted liability at the scene and there is a text message thread including her offering to pay for the damage?

Anyway 5 weeks passed and I had nothing and car is sitting unrepaired on my driveway. Two chase up calls later and Kindertons have finally confirmed that they don't believe she ever contacted her insurance company Direct Line. However , they chased up and now it transpires she has now told her insurers that she never hit my car. Obviously I have now supplied the text messages including her offer to pay for the damage to my car.

Currently, in limbo and not received any update on what's happening.

Your thoughts?

 

[happypig]

Does the mirror look like this?

It’s a lousy picture, has got indicator built in

Looks like it, bit hard to tell.

 

[upthealbion1970]

Looks like it, bit hard to tell.

Pm me your reg I’ll check in the morning, see if I can find one for you if it helps?

 

[drew]

About 6 weeks ago I returned to my parked car and immediately noticed that the rear offside wheel arch area was damaged ( later I also noted damage to alloys). Whilst inspecting my car the third party emerged from her vehicle parked next to me and immediately apologised as she believed she had hit my car whilst parking. We both inspected the damage and it was clear that the red paint on my damage was from her car. At no point did she attempt to deny this and she accepted fault and was very polite. With regard to repairing my car she suggested I could get a private quote for the damage and pass on to her. I acknowledged this with the caveat that we may still need to go through the insurance.

I did obtain a quote for £300 but via a series of texts she baulked at that with a vague suggestion that she " had a friend " who could fix it for £200. She didn't even confirm whether this estimate was from a proper auto repair body shop. I rejected her offer and suggested that the insurance companies would need to sort it out. I wanted the best possible repair for my car and not a potential botch job from a " friend ". All relevant details were exchanged and photos had been taken at the scene including both cars.

On reporting the incident to my insurers it was duly passed on to an accident management firm called Kindertons. What could go wrong I thought as she admitted liability at the scene and there is a text message thread including her offering to pay for the damage?

Anyway 5 weeks passed and I had nothing and car is sitting unrepaired on my driveway. Two chase up calls later and Kindertons have finally confirmed that they don't believe she ever contacted her insurance company Direct Line. However , they chased up and now it transpires she has now told her insurers that she never hit my car. Obviously I have now supplied the text messages including her offer to pay for the damage to my car.

Currently, in limbo and not received any update on what's happening.

Your thoughts?

Her insurers will pay once presented with the text messages so I would chase up Kindertons regularly.

 

[Weststander]

If it's been reported to the police, I would assume that you'd have a registration (How else would they be able to find out that it's untaxed etc)

https://vehicleenquiry.service.gov.uk/?_ga=2.263942220.1793618609.1631221082-1585948731.1631221082

You’ve been able to do this online for circa 15 years.

 

[Paulie Gualtieri]

And your insurance company won't charge you and excess and won't go down as a Claim?

Regardless in this situation if the vehicle isn't taxed, it isn't insured

They will however increase your premium, even if you were found to not be at fault, which is crazy.

Had someone crash into the back of me at a roundabout junction whilst stationary.

He admitted full fault and my car was written off.

My insurance went up despite not being at fault and was advised by Admiral that because I had been in an accident it was statistically more likely that I would be in another one, which is total bollocks if not at fault. I asked for the evidence to support this claim and was told it was proprietary!