This morning I was making a right turn into a very narrow drive and was hit by a garbage truck. I'm fine and the damage to my car is just a dent above the wheel well. The lorry driver refused to provide any documents but took my personal information and insurance details.
I called my insurance and the claims guy said it was possible that who caused the accident could be disputed because it's my responsibility to check the way is clear before I change lanes. I'm surprised because I thought it was undoubtedly his fault since I was sitting there waiting to turn right with my right turn signal on and he passed me on the right and hit me.
I need some advice about how to handle the insurance. My car is a 2007 Skoda Roomster worth a couple grand at most. My excess is £400. The damage is a good sized dent above the wheel well but nothing that affects driving. I like the car and wouldn't mind keeping it but wouldn't mind a new one either.
Right away the insurance wants to know if I want to make a claim. Should I? My no claims bonus has gone down from 6 to 3 years.
Can anyone lay out my options? The dent is just a little too embarrassing to keep driving with it there.
I called my insurance and the claims guy said it was possible that who caused the accident could be disputed because it's my responsibility to check the way is clear before I change lanes. I'm surprised because I thought it was undoubtedly his fault since I was sitting there waiting to turn right with my right turn signal on and he passed me on the right and hit me.
I need some advice about how to handle the insurance. My car is a 2007 Skoda Roomster worth a couple grand at most. My excess is £400. The damage is a good sized dent above the wheel well but nothing that affects driving. I like the car and wouldn't mind keeping it but wouldn't mind a new one either.
Right away the insurance wants to know if I want to make a claim. Should I? My no claims bonus has gone down from 6 to 3 years.
Can anyone lay out my options? The dent is just a little too embarrassing to keep driving with it there.
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