Accident advice

Discussion in 'Motorhome Chat' started by Jackomet, Nov 6, 2011.

  1. Jackomet

    Jackomet Read Only Funster

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    Help and advice please.
    Sitting stationary in a queue of traffic in my Navara, footbrake on as it's an auto. Then "BANG":Eeek:. A white Ford Escort van drives in the back of me. His front end is totalled and my rear bumper is a bit bent. Takes pictures and have two independant witnesses, names and details provided, his details also. Reports to Camptons who direct me to QBE insurance. Give all info and then told that I could "try" to get my £250 excess back from his insurance.
    Since I have not been in any sort of accident for a long, long time (being and man and a God of a driver of course, helps).
    As i can't find my policy T&C's at the moment, questions are, how do I go about getting my excess back and does this no blame claim effect my no claims bonus?
    JK
     
  2. Chris

    Chris Funster Life Member

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    Won't the other guys insurers cover the cost in full? Don't see why it should affect your policy excess.

    Ultimately you could bring a small claim against the other driver.

    You don't say if you were injured , but if you were it could form part of your claim.
     
  3. Chris

    Chris Funster Life Member

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    And if you do have a claim go to a local solicitor rather than the outfit appearing in the sponsored link below your post.:thumb:
     
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  4. Jackomet

    Jackomet Read Only Funster

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    Nope, not injured and not going to develope "whiplash" any day soon.
     
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  5. Chris

    Chris Funster Life Member

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    That's good news.

    As for whiplash don't believe everything that Jack Straw says. He generally talks through his arse.

    My wife had an accident about 4 years ago and her neck still plays her up.
     
  6. Larrynwin

    Larrynwin Funster

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    Don't understand why you paid anything, the guy who hits you from behind is always at fault and his insurers should bear all costs !
     
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  7. chatter

    chatter Read Only Funster

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    usually in a no fault accident you only pay your excess if you claim the repair through your own insurance company not through the other guys insurance, your company should be claiming on your behalf from his insurance for any damages in full which should not affect your excess.

    if for quickness of the repair you are getting it done through your own company then they can request the excess payment on your policy and then you have to claim it back from the other guy, use a good solicitor to contact the other parties insurance company if needed, or if you have legal on your policy use the insurance companies choice of solicitor.

    Our work vehicle was hit in march this year it was stationry and hit by a rental vehcile, we got our company to do the repair for quickness - so glad we did as we would be still waiting now for it to be sorted as the claim is still ongoing- we will get there in the end though, even have cctv of the accident and they are still trying to 'pass the buck'
     
    Last edited: Nov 6, 2011
  8. Terry

    Terry Funster

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    I have heard of the other guy failing to respond to insurers requests-there by causing the no fault driver to loose his no claims because the fault driver refused to acknowledge any accident.Plus the no fault drivers ins co could not be bothered to chase it up,easier just to let the no fault driver pay a bigger premium and loose no claims which stays on record for 5 yrs :Eeek:
    terry
     
  9. steveclecy

    steveclecy Read Only Funster

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    If the other guy has reported it to his insurance company, it would normally be the case where they would contact you direct and do their best to persuade you to use their repairers - they get their own discount on repairs - and if a hire car is needed during the repairs they would use their own preferred company.

    You are right to be cautious - no blame does NOT mean no claim but I would think that provided the other party accepted liability it would not affect next renewal.

    Steve
     
  10. old-mo

    old-mo Funster Extra Special Life Member

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    Shoudn`t cost you a "Penny" ... John...

    No loss of no claims no
    excess... Nothing/Zilch/Nowt...

    You are not claiming, only from the other guy`s insurance..

    If your insurance says it will cost irrelevant of how .. Why .. or what....

    Start corresondence with the other guy`s insurance direct by that i mean you write with all the details and witnesses names and addresses...

    The only time I have ever claimed, that is what I did...
     
  11. motorhomelover

    motorhomelover

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    if you take your car for repair they have details of no fault repair you pay nothing they take care of every thing on the repair to your car if there is an injury then contact win solisitors they are online they worked for me got everything sorted plus £2000 for my injury
    http://www.winnsolicitors.com/:thumb:
     
  12. motorhomelover

    motorhomelover

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    DO NOT BOTHER WITH YOUR INSURANCE COMPANY THEY CAN GO KNOCK FOR KNOCK EVEN IF IT IS NOT YOUR FAULT

    NOTIFY THEM OF THE INCIDENT BUT TELL THEM IT IS FOR INFORMATION ONLY AND WINN SOLICITORS WILL DO EVERY THING FOR YOU :thumb:
     
  13. motorhomelover

    motorhomelover

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    THAT IS ALLWAYS A CONN BY INSURERS DONT LET THEM ARRANGE YOUR REPAIR GO TO WINN SOLICITORS http://www.winnsolicitors.com/
     
  14. Tommy_harry

    Tommy_harry Read Only Funster

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    I got caught out with this on my business fleet policy....

    You are liable for paying your excess unless your insurance company claim ALL of their costs back from the other parties insurance.

    But... your insurance company has no incentive at all to do this for small sums - as your excess has already covered their costs !!

    In the end I took out an 'add on' to my insurance and a 3rd party would recover all of my excess's for me - worth it on a big fleet policy where you have 3 or 4 claims a year... but not for an individual.
     
  15. motorhomelover

    motorhomelover

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    WINN SOLICITORS take a no win no fee so long as it is clear your not at fault a hit in the rear is clearly not your fault so it would cost nothing to recover full costs exess repair and injury are all covered
    http://www.winnsolicitors.com/
     
  16. Chris

    Chris Funster Life Member

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    No need at all to go to Winn solicitors. Try a local firm.

    Pm me if you are interested why I suggest that.
     
  17. old-mo

    old-mo Funster Extra Special Life Member

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    looks like "winns" are more interested in personell damage claims than getting your vehicle sorted..

    Plenty of them types of solicitors around if you want to go down that road..

    But a straight forward smack up the ar$e with witnesses should be an easy claim with the other guy`s insurance company.

    Who would probably sort out quick, rather than pay a solicitors feee`s.... On top.

    Thats what i found when i had to claim against another driver in a very similar situation..
     
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  18. the stig

    the stig Funster

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    JK,

    Once this is all sorted, you really should take out Full No Claims protection. May not be able to apply it half way through a policy, but def when renewing you need to do a Protected No Claims policy. It will save you many zillions of pounds when your insurance company review your annual premium, and now you can see how easily things happen which are totally outside of your control.
    I appreciate it doesn't affect what you are saying at the moment, but it could so easily apply to you if another unfortunate accident was to happen.

    regards
    Andrea
     
  19. Terry

    Terry Funster

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    Only problem with protecting NCB is if you pay to protect it they don't play fair :Eeek:If you have a accident they load the premium- yep they still give you your 60% no claims but on the higher premium :Eek!::Rofl1:
    terry
     
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  20. slobadoberbob

    slobadoberbob Read Only Funster

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    OK read the posts now would you like the legal opinion?


    Firstly the small print.... I am not creating a legal relationship with any one with this advice....

    A lot of people are not really aware of the law in the respect of this kind of accident. We have to presume that both drivers have insurance?

    the minimum requirement is Road Trafic Acts.. it is up to each person if they pay for third party fire and theft or buy comprehensive insurance. But the minimum is the RTA .. this is to cover injury.

    The drive that has been hit will decide dependant on the level of cover he has purchased to eith claim on his own insrance for the repairs and his insurance may or may not recover from the other insurance company.. (Leave the issue of both drivers covered by the same insurance company).. dependant on your policy you may have a legal cover / hire car / etc.,

    Lets work on the basis that you decide to claim of the other driver... note I did not say his insurance.. that has nothing to do with the issue at all.. you write to the driver.. you tell him about the loss and ask how he would like to deal with the claim... again not no mention of his insurance, for the simple reason it is HIS insurance and he makes a claim on it not you.

    You may want to tell him (or her )... that you will want a hire car or bus or taxi fares while your car is repaired (get receipts).. no you cannot hire a Rolls .. but a vehicle similar to your own that is off the road for the time of repairs. You can claim for reasonable ..note I say reasonable costs for telepehone calls, and letters and a small amount for the time... more if you are self employed .... it is then up to the other party to either pay or pass it to his insurance company... you are under no obligation to do anything with his insurance company at all.

    You can go to a solicitor and let them do the letters, there reasonable fees could be claimed but becareful. So what if he ignores the request? then you can go to the county court.. but what if he has no money? or worse no insurance?

    If personal injury was involved then the MIB cover that if the other driver was not insured but not for damage to your vehicle.

    If you have your insurance company do the repair.. they can take your NCB until they have recovered there out lay.. you can if you wish go after the other drive to make sure that your NCB is recovered.. another story how to do that.. but while lots of well meaning suggestions in the post I would say leave it to the experts - solicitors .. like one person said I personally would not use a claims recovery company. It is very simple to do the work yourself and quicker.

    If in doubt p.m. and I can give some advice.

    Bob
     
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