Waldo Posted September 20, 2017 Share Posted September 20, 2017 Someone just reversed in to the front of my moms stationary (parked on road outside home) car. No-one was in the car at the time; so the other party is fully at fault. I got their name, mobile and license plate number; and plenty of photos and video. Also, the neighbour has CCTV which shows the accident. They want to avoid going through the insurance, which I don't think we're willing to do. Will my mom need to claim on her own insurance, or on theirs (not sure who they're insured with)? Thanks. Link to comment Share on other sites More sharing options...
grand Posted September 20, 2017 Share Posted September 20, 2017 Just get there name and licence plate you will be claiming on there insurance same once happened to me Link to comment Share on other sites More sharing options...
mafya Posted September 20, 2017 Share Posted September 20, 2017 You do realise that your mums insurance will rise even though it's a non fault claim against the other drivers damage? If it's just very light damage then I personally wouldn't run it through the insurance company's. Link to comment Share on other sites More sharing options...
Waldo Posted September 20, 2017 Author Share Posted September 20, 2017 You do realise that your mums insurance will rise even though it's a non fault claim against the other drivers damage? If it's just very light damage then I personally wouldn't run it through the insurance company's. Thabks mafya. Yep, non fault claim. Damage is quite heavy, so want to make sure it's properly repaired. Also, courtesy car while being repaierd... Link to comment Share on other sites More sharing options...
mafya Posted September 20, 2017 Share Posted September 20, 2017 Thabks mafya. Yep, non fault claim. Damage is quite heavy, so want to make sure it's properly repaired. Also, courtesy car while being repaierd... If it's heavy then through insurance is the only option.... Link to comment Share on other sites More sharing options...
Waldo Posted September 20, 2017 Author Share Posted September 20, 2017 If it's heavy then through insurance is the only option.... Thanks again mafya. Could be. I'm wondering if the insurance will decide to write the car off? Maybe it's an idea to give the other party the option to buy the car at market value; and then they're responsible for repairs. They did sound very keen to not go through insurance. If we did go through insurance; and they did write it off, am guessing they've give us less than market value? Plus, there's excess to consider... Link to comment Share on other sites More sharing options...
grand Posted September 20, 2017 Share Posted September 20, 2017 My insurance as never got higher due to a non fault claim Link to comment Share on other sites More sharing options...
lottiecass Posted September 20, 2017 Share Posted September 20, 2017 (edited) My insurance as never got higher due to a non fault claim Try putting your details on your quotes with a no fault and without to see if it goes up,mine did.I hope your claim is quicker than mine,15th may to 5th sept,many phone calls later. Edited September 20, 2017 by lottiecass addition Link to comment Share on other sites More sharing options...
ez8004 Posted September 20, 2017 Share Posted September 20, 2017 You do realise that your mums insurance will rise even though it's a non fault claim against the other drivers damage? If it's just very light damage then I personally wouldn't run it through the insurance company's. This is the absolute worst piece of advice I have heard in a long time. You absolutely need to claim and make sure it is put through as a non fault claim. For people who claim that your insurance will rise is talking rubbish. From up own personal experience, my insurance never rose from a non fault claim. If anything, it only went down year on year. Using comparison sites to see if it goes up or down? Really? You are better off talking to the insurer directly. You need to register accidents and get the car properly fixed. It won't cost you a penny. So what is the downside? Link to comment Share on other sites More sharing options...
lottiecass Posted September 20, 2017 Share Posted September 20, 2017 Waldo,the same thing happened to me,it was the 15th of may and the 5th of sept when I finally settled the claim.Good luck with it,I hope you like phoning people at premium rate and banging your head on the wall.Your future insurance will have a no fault mark for three years and your premium could be slightly higher.You won't lose the excess though they waive that write off or not. Link to comment Share on other sites More sharing options...
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