Hi All
Someone reversed into my husband's car a couple of days ago when my husband was stationary. The other party admitted it was his fault (my husband got him to write it on a piece of paper along with his insurance details, etc.) We have since been in touch with him and only today were we able to get through to the guy's Insurance Company who have told my husband that he should go through his own insurance to claim from the other party. But our argument is why should we do this? Surely it's up to the other party's insurance to put it right and no need for our insurance company to be involved?
Can anyone advise how we should proceed? Many thanks.
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If you are sure the 3rd party is 100% to blame, just notify your insurance and claim off the 3rd party and their insurance co.
If you have legal expenses the you can get them to do the leg work or get a claims handler type company to do it. Get a recommended claims handler from one of your firends/work colleagues.
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Thanks for your reply. Yes it was 100% the other guy's fault - my husband was stationary and was sounding his horn and everything to the guy in front who didn't even look in the mirror.
The other party's Insurance Company told my husband that he should go to his own insurance co and tell them to claim on his behalf as a third party but my husband has 3 years no claim bonus and feels that if he tells his insurance co. that there has been any accident, no matter whose fault it is, they will mark his record down as a claim.
Is there a way we can claim through the other party's insurance company without going through our insurance company as we feel that this should be the right way forward? Why should we jeopardise my husband's records when it was 100% no fault of his?
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You do not need to claim from your insurance company but you should advise them of the incident. The third party's insurance company will not deal with you unless they have been advised by their policy holder. After all they have no contract with you. What you need to do is to obtain an estimate for the damage and write a letter to the third party referring to the accident and holding him fully responsible. State in the letter that he should pass the letter to his insurers. Once this has been done his Insurers will establish communication with you and hopefully agree your claim.
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Thankyou. My husband worked for the AA some time ago and he says that when there is an accident, no matter whose fault it is, it is marked on your record as a claim.
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"no matter whose fault it is, it is marked on your record as a claim"
Only if they pay out to you or third party will it be a claim and affect your NCB
If you are able to prove to your Insurer that you have recovered you claim in full from the third party (send them a copy of the third party Insurers settlement advice), the incident should not not affect your premium.
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"the incident should not not affect your premium. "
The poster never said it affected their premium but all claims need to be logged.
So renewal time for my wife and adding me with an accident (not my fault) in Italy in 2006 lowers the premium.
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You can avoid using (but must inform) you insurer. And because they need to know anyway the alternative might be for them to handle the claim but you will initially need to pay the excess which will come back from the third party.
Doing it this way costs more to the insurers so talk to the third party company.
Will doing it this way affect your insurance? Probably not. About to renew my wife's and they already know the two non-fault accidents. Interestingly again, online quote with the same company and adding me as a driver lowers it by £70!
... and I had an accident in 2006 and that is declared on the quote too. Non-fault though.
PS My wife's no claims is protected anyway so may make a difference.
Edited by rtj70 on 30/12/2008 at 22:51
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Thank you all so much for your help which is very much appreciated. All the best for 2009 to you!
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