Are Insurance companies getting lazy?
I have been told by Swiftcover that an accident I had was my fault, but they will not see my point of view and will pay out, then hit me with a premium increase at renewal.
It all stems from an accident in a supermarket car park. I stopped in a two way lane just past a car pulling out, when he had gone with my indicator signaling left and a clear road in front and behind I started to reverse into the space. While checking that my nearside was clearing the parked car another car came across the front of me and was hit as my front end continued to swing out. He had driven into a closing gap, and at no point before (or after) collision sounded his horn. When we got out he said I know you did not see me, you were looking behind yourself.
This to me says he was aware of what I was doing but still drove into a closing gap, yet this is still my fault how?
So is my insurance company being lazy and then just hitting me for higher premiums or is this my fault? I said i would like to go to court to sort it but they said NOT my choice because they had final say.
It all stems from an accident in a supermarket car park. I stopped in a two way lane just past a car pulling out, when he had gone with my indicator signaling left and a clear road in front and behind I started to reverse into the space. While checking that my nearside was clearing the parked car another car came across the front of me and was hit as my front end continued to swing out. He had driven into a closing gap, and at no point before (or after) collision sounded his horn. When we got out he said I know you did not see me, you were looking behind yourself.
This to me says he was aware of what I was doing but still drove into a closing gap, yet this is still my fault how?
So is my insurance company being lazy and then just hitting me for higher premiums or is this my fault? I said i would like to go to court to sort it but they said NOT my choice because they had final say.
Asked on 25 August 2011 by JBN
Answered by
Honest John
It doesn't really make much difference. If you are involved in any claim, whether to blame or not, you next year's premium will go up because you will be considered to be a greater risk.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
I’m taking delivery of my new Porsche Macan this month, and my insurer, whom I’m happy to stay with, will only insure it if I have a tracker fitted. There seem to be plenty of options available. The car...
My Ford Ka+ suffered a broken driver's door window nearly two weeks ago, presumably at the hands of vandals. My insurer uses AutoGlass to cover glass repair and replacement, but AutoGlass tell me they...
I'm considering chipping my Peugeot 3008 2.0 150PS, it's done 62,000 miles. The claimed power increase is 187PS and fuel consumption reduction of 30 per cent. Is this viable and, if so, why don't manufacturers...
.jpg)
