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I was falsely accused of scratching someone’s car - has this affected my no claims discount?
I was falsely accused of scratching someone’s car which I have witnesses for. I heard nothing for 6 months and even the inspection was cancelled. Today I received an email from my previous insurance company which I will paste below. I am not quite sure if I’m reading it right or not so can someone please explain what this means? Here’s what was sent to me:
Please be advised that the claim made in relation to the above incident has now been settled and your No Claims Discount has been allowed. Under the Limitation Act 1980, claims for damage to property can be made up to 6 years after the incident and personal injury claims can be made up to 3 years after the incident. Please, therefore, note that we may receive additional claims in the future which would require us to reopen this claim and that could affect your No Claims Discount.
Please be advised that the claim made in relation to the above incident has now been settled and your No Claims Discount has been allowed. Under the Limitation Act 1980, claims for damage to property can be made up to 6 years after the incident and personal injury claims can be made up to 3 years after the incident. Please, therefore, note that we may receive additional claims in the future which would require us to reopen this claim and that could affect your No Claims Discount.
Asked on 6 June 2019 by Corrina
Answered by
Honest John
It means, that the claim has now been closed and it has not affected your no claims bonus. It is on record however, should the other party provide evidence within the six year time frame to substantiate this claim, the claim can be re-opened, and it would affect your claims history.
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