Why is my son at fault for an accident when the other driver accepted responsibility?
My (then) 17 year old son was involved in an accident while leaving the M6 for the M5. Essentially, as he was moving left, he hit another car which was driving on the hard shoulder. At the time the other driver admitted responsibility, but of course this changed. My son's insurer contacted him months later asking if he would be willing to accept joint responsibility, which he agreed to. Now, nearly a year after the incident, they are asking if he will accept full responsibility, as the other insurers are contesting it. There were no witnesses, and no footage of the incident. His insurance is up for renewal, and his insurers are basing his quote on his being at fault (he did accept joint responsibility). My question is, when getting quotes from other companies, does he need to put down that he was at fault, or not?
Asked on 13 August 2024 by RolandH
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If he’s accepted fault in any way - whether jointly or not - then he’ll need to declare this to his insurer. It’s likely that the cost of his car insurance could increase at renewal, but he shouldn’t panic, there are insurers out there which will cover drivers under these circumstances. The best thing to do is shop around and compare prices and don’t forget that prices should come back down once he has more opportunity to build his no-claims bonus.
Tags:
insurance
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