Reply to: Just had an accident, need advice

[AtW]

Premiums will increase even if you try to think about claiming

[Eirikur]

No.

No-claims will only go IF he makes claim (or claim made against him) _AND_ it was not guaranteeed not to go down, which is a bit of BS anyway since accident costs will have to be declared anyway and will be used to increase premiums in the future.

Just by calling the insurance company (even if you don't file a claim) your premium will go up the next year

[Lance]

No.

No-claims will only go IF he makes claim (or claim made against him) _AND_ it was not guaranteeed not to go down, which is a bit of BS anyway since accident costs will have to be declared anyway and will be used to increase premiums in the future.

correct.
He was in an accident so the premium is going up no matter what. 'No claims' bonus is a con.

[hairymouse]

So. This isn't about getting caught short without a toilet in sight.



Ah, I should have scrolled down a bit
https://forums.contractoruk.com/gene...ed-advice.html

I didn't mention I massively tulip my pants? Claiming for underwear as well.

[ladymuck]

So. This isn't about getting caught short without a toilet in sight.



Ah, I should have scrolled down a bit
https://forums.contractoruk.com/gene...ed-advice.html

[AtW]

So now my knackered car is sitting in the driveway and I have an email from Veolia's solicitors accepting fault and telling me they will pay for a hire car and get an engineer to look at the car. And pay for repairs or settle the value.

Deal with them direct, this would remove any claims, you'll still have to declare the accident happening for many years however.

With the damage as described your car is a write off, so when they offer money for it make sure you check CURRENT second hand market values which are much higher than usual due to high demand.

Veolia's solicitors will be happy to close this quick and that you had no personal health damage, which hopefully is the case.

Finally, and that's very important - send me a cheque for 10% of the recovered value.

[hairymouse]

What a roller coaster of a day! When the accident happened, I was on my way to get the car serviced and was pulling into the mechanic's driveway. I left the car and keys with him for a normal service. He looked at the dent and said it was no big deal.

When I went to pick it up in the afternoon, he said they didn't do any work on it because the wheel and suspension are damaged from the impact. He said it would be £400 or more to fix that, on top of the dent. I drove it home (5 minute drive) but the steering wheel is no longer straight. It's not roadworthy and he made me promise I wouldn't drive it again.

So now my knackered car is sitting in the driveway and I have an email from Veolia's solicitors accepting fault and telling me they will pay for a hire car and get an engineer to look at the car. And pay for repairs or settle the value.

Any adivice on whether I should go with the lawyers from Veolia or do the whole thing through my insurance company Admiral? Not sure who to trust. This sucks because I usually like to spend some time finding a used car and now is the worst time to buy a used car.

[BigDataPro]

Fabulous news,the lorry company called and said they accept liability! They want to pay to fix it.

Glad to hear it.

Really ashamed to see couple of insensitive comments/remarks as well.

[SueEllen]

Just be prepared for them not being so smooth once the quotes start coming in though.

The poster may be pleasantly surprised.

One of my old car's got hit by a lorry when my car was parked. The company owners didn't complain that I only got one quote to fix the damage as I just used the garage I always used.

There as when a car went into the back of me I got loads of tulip about having to use an improved garage.

[SueEllen]

They want to pay to fix it? Without going through insurance?

They may self-insure.

As I said before some bus company and rubbish vehicles have cameras all around them as the drivers have quite a few accidents.

[Roll Out The Farrell]

I've actually used Chips Away for sizable dents in the past paying in the region of £400 or so. Give them a call & I'm sure it'll be grand.

[mattster]

So yes, I called the insurance company because I thought I was right and wanted to make a claim.

You probably are right, but with his word against yours I doubt insurance would come down one way or the other.

I learnt my mistake on claiming anything from insurance where you don't really need to - higher premiums for years after (accidental TV damage by a child). Not worth it IMO, now I just have a massive excess to make the insurance as cheap as possible and know that I have insurance for proper disasters.

Unfortunately you'll get higher premiums now, claim or not, and also have to declare the accident on your application for the next few years.

[northernladuk]

They want to pay to fix it? Without going through insurance?

If this is the case that's great but as I mentioned earlier be careful if you have involved your insurance company as even when it's not your fault they still want to screw you for years after when they ask: Have you been involved in an insurance claim which wasn't your fault (Paraphrased).

This.

Is it a council vehicle or a 3rd party contracted to them? Odd they've folded so quickly but probably not worth their while going though insurance for them, particular for so little.

Just be prepared for them not being so smooth once the quotes start coming in though.

[northernladuk]

Oh dear, now you will have to declare that you've had an accident anyway and you haven't proof it wasn't your fault. Should have asked this before contacting insurance.

Sorry already answered!

This was my thought. Some insurers will load you just for having the phone call. Even if you don't claim, the fact you've been in an accident makes you a higher risk. Absolute rip off but it's real. I'd have tried weighing my options up before calling them. Depends who you are with. Less likely to happen with a proper outfit and paying a decent rate. If you've gone for the very cheapest offering from a compare site then good luck.

And it's pretty rare for no fault claim anymore. Unless you are stationary with the hand break on and someone rams you from behind there there is always some level of fault. If you say 'I guess I could have done xxxxxx' then you are at fault for not doing so.

Car insurance is such a rip off nowadays. Makes my blood boil.

[GregRickshaw]

Fabulous news,the lorry company called and said they accept liability! They want to pay to fix it.

They want to pay to fix it? Without going through insurance?

If this is the case that's great but as I mentioned earlier be careful if you have involved your insurance company as even when it's not your fault they still want to screw you for years after when they ask: Have you been involved in an insurance claim which wasn't your fault (Paraphrased).