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Another insurance claim advice thread

baconsandwich Avatar
6y, 8m agoPosted 6 years, 8 months ago
So this woman went into the back of me earlier. No cracks or dents, just managed to rub some of my paint off to the primer which ended up on the front of her car.

Paint of my bumper looks a state.

She asked if she could sort me out with cash (from her credit card) because she didn't want her husband to find out.

I said fine, don't have an idea how much these things cost so I rang my mate who said a respray would be about £150.

On the way to the cash machine she has a change of heart and spoke to her relative about it.

So, took details, name, number, registration, insurance company name (she didn't have any further details), and she said she'd be giving me a call tonight to sort it out....

So. What should I do? Am I doing this right??

lol
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baconsandwich Avatar
6y, 8m agoPosted 6 years, 8 months ago
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#1
call your insurance company with the details she gave you as well
#2
this will increase your premium as well...................so your call

either report it or arrange cash payment
#3
If she went into the back of you then she's liable.

I'd contact your insurance company and notify them of the accident. They should then pursue the claim on your behalf. They'll get the car inspected to get a quote for the damage .
#4
gazmanw
If she went into the back of you then she's liable.

I'd contact your insurance company and notify them of the accident. They should then pursue the claim on your behalf. They'll get the car inspected to get a quote for the damage .


is it really worth an increase in premium for a little paint?
#5
go through the insurance, these side details usually turn snide.
#6
casparwhite
this will increase your premium as well...................so your call

either report it or arrange cash payment


yep be careful though my hubby did this, ie settled with cash and the woman phoned her insurance company as well husband was really angry as she got double paid for it, and insurance went through the roof, it was his fault though
#7
If it's a non fault claim and all costs are recovered this should not effect your renewal (unless it's a regular occurrence!!)
#8
gazmanw
If it's a non fault claim and all costs are recovered this should not effect your renewal (unless it's a regular occurrence!!)


thats not true they ask if you have had an accident in the past 5 years at fault or not
#9
gazmanw
If it's a non fault claim and all costs are recovered this should not effect your renewal (unless it's a regular occurrence!!)


Yes it will.

Hubby had an accident, no fault on his behalf, it put his renewal up and any quotes he had.
#10
gazmanw
If it's a non fault claim and all costs are recovered this should not effect your renewal (unless it's a regular occurrence!!)


any claims will affect your renewal these days im afraid wether its your fault or not.....insurance company will take it that there is more chance of you being in another accident

not worth it unless they deceide not to pay
#11
tinkerbell28
Yes it will.

Hubby had an accident, no fault on his behalf, it put his renewal up and any quotes he had.


But did they recover all costs??
#12
casparwhite
any claims will affect your renewal these days im afraid wether its your fault or not.....insurance company will take it that there is more chance of you being in another accident

not worth it unless they deceide not to pay


I think after one accident (not your fault) they see you as a higher risk of having another which is a bit stupid seen as your company didnt actually pay a penny out
#13
tracyhay
thats not true they ask if you have had an accident in the past 5 years at fault or not


They ask you if you've had an accident. If you cash settle and don't disclose on renewal your insurance policy could be voided for non-disclosure if you claim an they find out.
#14
gazmanw
But did they recover all costs??


Yeah all costs from the other party, still put his renewal up and future quotes. As it's an accident you have claimed for and is declarable non fault or not.
#15
tracyhay
I think after one accident (not your fault) they see you as a higher risk of having another which is a bit stupid seen as your company didnt actually pay a penny out

any excuse to raise your premium.......

gazmanw
They ask you if you've had an accident. If you cash settle and don't disclose on renewal your insurance policy could be voided for non-disclosure if you claim an they find out.


how would they know if it wasnt recorded?

ie no police called or anything

you are clutching at straws im afraid mate
#16
tinkerbell28
Yeah all costs from the other party, still put his renewal up and future quotes. As it's an accident you have claimed for and is declarable non fault or not.


Ahh ffs!

Hope they decide to pay :x

Anyone else got a rough idea how much a bumper respray costs? Just wanna get some rough figures together. It's a blue renault clio mk2 2001
#17
£150 sounds about right. Most of it will be labour/vat.
#18
She asked if she could sort me out with cash (from her credit card) because she didn't want her husband to find out.


This is why insurance companies believe that women are safer drivers :lol:
#19
Update: Her husband called me last night and basically we agreed that i'd get a quote and he'd pay for it.

I need my car for getting two / from work though... so I can't be without it....

!?
#20
Get your car checked out fully, what may appear to be just a\ bit of paint, could be far more serious, look inside our boot to make sure there is no hidden damage.
#21
IIRC you still need to inform your insurers, whether they go ahead and deal with it or not. Failing to inform them of an accident will cause no end of problems, especially if the other party change their mind again and try to claim off you for backing into them.
#22
Penny Saver
IIRC you still need to inform your insurers, whether they go ahead and deal with it or not. Failing to inform them of an accident will cause no end of problems, especially if the other party change their mind again and try to claim off you for backing into them.


good point!!!

this is such an ****!

got one quote this morning (sent a pic via email) and they said £500 because the bumper is warped.

just took it to Renault Leicester and they pointed out that the rear panel is slightly crushed (it's gone into my spare tyre a bit!)... so more costs there.

Waiting on the Renault quote to come back..

Nightmare, so should I definitley tell my insurance company then? But tell them I'm not making a claim for now???
#23
gazmanw
They ask you if you've had an accident. If you cash settle and don't disclose on renewal your insurance policy could be voided for non-disclosure if you claim an they find out.


A lot of quotes actually word it "number of claims in the last 5 years even if not at fault". they don't want to know if it was all settled without claims.
#24
baconsandwich
good point!!!

this is such an ****!

got one quote this morning (sent a pic via email) and they said £500 because the bumper is warped.

just took it to Renault Leicester and they pointed out that the rear panel is slightly crushed (it's gone into my spare tyre a bit!)... so more costs there.

Waiting on the Renault quote to come back..

Nightmare, so should I definitley tell my insurance company then? But tell them I'm not making a claim for now???


Yes. I did this. Ring them, give all details. This happened to me once. Someone sideswiped me on a roundabout. He was so lovely and apologetic and said he'd sort it all out privately - I was heavily pregnant at the time, and he was so considerate and friendly. I still rang the insurers and explained we'd sort it all out ourselves, but wanted to let them know in case anything went pear shaped. As it happened, it all DID go pear shaped. After three weeks of chasing the fella for some cash, he finally denied all knowledge of the accident. My insurers came into their own and dealt with it for me. He never reported the accident, and has now been refused insurance because of his behaviour. I had witnesses to the accident (that he wasn't aware of - as my boss was three cars behind at the island and saw it all.). His insurers finally paid out, but not without a fight. I only know he's been refused insurance now because he gave my husband a load of abuse in the town not so long ago! It taught me a big lesson, and the next time someone drove into the back of me, I was taking his photo, his car's photo, finding out where he worked and where he was going - everything!!!

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