Car accidents & insurance help- An update if anybody can advise any further please? - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HotUKDeals, you accept our cookie and privacy policy.
Get the HotUKDeals app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Car accidents & insurance help- An update if anybody can advise any further please?

£0.00 @
Does anybody know if there is a time limit on when to report accidents to your insurance? And if it was reported when would the driver at fault hear from their insurance? Basically my little sister h… Read More
louiseb84 Avatar
7y, 3w agoPosted 7 years, 3 weeks ago
Does anybody know if there is a time limit on when to report accidents to your insurance? And if it was reported when would the driver at fault hear from their insurance?
Basically my little sister hit somebody about a week ago, the other car wasn't damaged bar a tiny scratch which may well have been there before hand. They swapped details etc and my sis phoned her insurance to let them know. Since then she's heard nothing.
Any idea of the timeframe? Thanks
louiseb84 Avatar
7y, 3w agoPosted 7 years, 3 weeks ago
Options

All Comments

(32) Jump to unreadPost a comment
Comments/page:
banned#1
Not really. The statute of limitations for injury claims is (I think) 6 years. I think it may be 3 for just car damage.
#2
should be quite brisk I thought (least when I had to deal with it it was within hours/days), try giving them another call.

Edit: Misread, thought somebody hit her.......
#3
Inquisitor
should be quite brisk I thought (least when I had to deal with it it was within hours/days), try giving them another call.


Yeh i thought the same when somebody hit us it was dealt with very quickly, courtesy car within hours. Car declared a write off within a week or so. I would have thought the other driver would've reported it to his insurance as soon as but surely she'd have heard by now?

Do you not get x amount of days in which to report the accident to your insurance? I'll tell her to ring her insurance then, see if anything has been reported :thumbsup:
#4
Hi,
Not of much help i know,but several years ago i slid and the car revolved 180 degrees(in what felt like slow-motion), and 'parked' itsself against a parked car at the foot of the slope (black ice). there was some damage to both cars (but much less to his). A neighbour heard us knocking on the door that the car was parked outside, and told us where to find his wife at work in a shop.
We went and confessed, and then contacted our insurance.they asked if we wanted kept up to date with details as to the cost of his repairs,we said yes,and never heard anything again???
banned#5
louiseb84

Do you not get x amount of days in which to report the accident to your insurance? I'll tell her to ring her insurance then, see if anything has been reported :thumbsup:


As I said in my previous post, there is a statute of limitations for property damage in a motor claim but it's not days, it's years.
#6
PhilthyPhil
Hi,
Not of much help i know,but several years ago i slid and the car revolved 180 degrees(in what felt like slow-motion), and 'parked' itsself against a parked car at the foot of the slope (black ice). there was some damage to both cars (but much less to his). A neighbour heard us knocking on the door that the car was parked outside, and told us where to find his wife at work in a shop.
We went and confessed, and then contacted our insurance.they asked if we wanted kept up to date with details as to the cost of his repairs,we said yes,and never heard anything again???


So did the other driver not claim then? I think she is hoping he wont tbh being a new ish driver & him slamming on his brakes for no apparent reason. (and of course the lack of damage) But obviously if he does then he does.

How does it work when the premiums go up is it a % increase or is it based on the claim amount?
#7
DanJackson
As I said in my previous post, there is a statute of limitations for property damage in a motor claim but it's not days, it's years.


So meaning he could reprt it to his insurance 2 years down the line?:?
banned#8
louiseb84
So meaning he could reprt it to his insurance 2 years down the line?:?


Yes.
1 Like #9
Re;- previous message.
Maybe he didnt??
sick as a pig if i admitted it and suffered increased premiums as a result if he didn't.
Sorry i don't know how the increase is calculated.
Perhaps someone on here works in insurance & can advise you further.
banned 1 Like #10
PhilthyPhil
Re;- previous message.
Maybe he didnt??
sick as a pig if i admitted it and suffered increased premiums as a result if he didn't.
Sorry i don't know how the increase is calculated.
Perhaps someone on here works in insurance & can advise you further.


I work in motor claims and have done for years. But I am not sure what your question is!
#11
DanJackson
I work in motor claims and have done for years. But I am not sure what your question is!


How the premium is calculated at renewal with a claim. Does it go up a set % or does it depend on the cost of the claim? :thumbsup:
banned 1 Like #12
louiseb84
How the premium is calculated at renewal with a claim. Does it go up a set % or does it depend on the cost of the claim? :thumbsup:


One of the mysteries of insurance! There's honestly no correct answer to that. It's because EVERY insurer rates their policies differently. Insurer A may increase your premium by 2% and Insurer B by 22%. It really is a case of shopping around to find out the best deal.

The cost doesn't really come into it because a policy is rated on risk. I could drive into the back of a neighbour's Fiesta and cause £500 of damage or drive into my boss's Bentley and cause £5000 but it's the same type of accident.
#13
DanJackson
One of the mysteries of insurance! There's honestly no correct answer to that. It's because EVERY insurer rates their policies differently. Insurer A may increase your premium by 2% and Insurer B by 22%. It really is a case of shopping around to find out the best deal.

The cost doesn't really come into it because a policy is rated on risk. I could drive into the back of a neighbour's Fiesta and cause £500 of damage or drive into my boss's Bentley and cause £5000 but it's the same type of accident.


Right I get you, that's what I was thinking tbh but she's panicking cuz she thinks he may try and claim for compensation also & thinking that this would then bump up her already high premiums.
Thank you for your help :thumbsup:
#14
My sister has received a letter from the other driver's solicitor outlining the 'facts' of the accident, a lot of which are untrue. Main one being he was stationary and she failed to stop, the truth being he slammed on his brakes for no apparant reason.
Anyhow the letter from the solicitor is requesting her to pay for a physiotherapist examination. There is no mention of his insurance company or anything to say he has even informed them, maybe just gone straight to a no win no fee claim centre.
Can anybody advise on what she should do? She has written a letter back to the solicitor outlining her facts of what happened.

Thanks in advance
#15
louiseb84
My sister has received a letter from the other driver's solicitor outlining the 'facts' of the accident, a lot of which are untrue. Main one being he was stationary and she failed to stop, the truth being he slammed on his brakes for no apparant reason.
Anyhow the letter from the solicitor is requesting her to pay for a physiotherapist examination. There is no mention of his insurance company or anything to say he has even informed them, maybe just gone straight to a no win no fee claim centre.
Can anybody advise on what she should do? She has written a letter back to the solicitor outlining her facts of what happened.

Thanks in advance


If she went into the back of the driver, she will be a fault regardless. Also pass all details onto her insurance company, they should be dealing with it not you
#16
Chidda
If she went into the back of the driver, she will be a fault regardless. Also pass all details onto her insurance company, they should be dealing with it not you


Oh I've told her all of that as she failed to stop in time, keep correct distance etc etc.
I think she's just a bit miffed as to why he hasn't reported it to his insurance? He must have insurance being a taxi driver.
The letter also said they were gettin an engineer to look over his car, and then she would be expected to pay for that. I've told her to forward it all to her insurance company but speaking to them this morning no claim as been brought against her.
Is he just trying to scare her into paying up out of her own pocket?
banned#17
louiseb84;8343559
My sister has received a letter from the other driver's solicitor outlining the 'facts' of the accident, a lot of which are untrue. Main one being he was stationary and she failed to stop, the truth being he slammed on his brakes for no apparant reason.
Anyhow the letter from the solicitor is requesting her to pay for a physiotherapist examination. There is no mention of his insurance company or anything to say he has even informed them, maybe just gone straight to a no win no fee claim centre.
Can anybody advise on what she should do? She has written a letter back to the solicitor outlining her facts of what happened.

Thanks in advance

so she got a letter direct from a solicitor? tell them to refer the matter to her insurers.
banned#18
louiseb84;8343559
My sister has received a letter from the other driver's solicitor outlining the 'facts' of the accident, a lot of which are untrue. Main one being he was stationary and she failed to stop, the truth being he slammed on his brakes for no apparant reason.
Anyhow the letter from the solicitor is requesting her to pay for a physiotherapist examination. There is no mention of his insurance company or anything to say he has even informed them, maybe just gone straight to a no win no fee claim centre.
Can anybody advise on what she should do? She has written a letter back to the solicitor outlining her facts of what happened.

Thanks in advance
Just get her to forward the letter straight to her insurers. There's no need for her to reply to it at all.

It's standard practive for the solicitors to write directly to the person who is at fault. One of the reasons they do this is because they have to make her aware that someone is claiming against her and if she has valid insurance, she has to let them know.

There's nothing to worry about, I can guarantee that solicitors firm sent out at least 100 of the exact same later that week! Probably more.

The best thing to do is for her to call her insurers and find out the claim reference and fax/email of the person/team dealing. That way she can make sure the solicitors letter gets to the right department
#19
csiman
so she got a letter direct from a solicitor? tell them to refer the matter to her insurers.


Yep direct from his solicitor asking her to pay for physiotherapy assessments as he is claiming for whiplash too.
Unfortunately, and this was told first hand to my OH by a taxi driver, this is quite common in taxi drivers in our area. They see an opportunity and slam on their brakes to pursue a compo claim. The taxi my OH was in a few months ago said he had 2 on the go at that time :x

Thanks danjackson, she's spoken now to her insurance who are sending some forms so I'll tell her to send the solicitors letter to them & to not post the letter she has written. :thumbsup:
1 Like #20
louiseb84
Oh I've told her all of that as she failed to stop in time, keep correct distance etc etc.
I think she's just a bit miffed as to why he hasn't reported it to his insurance? He must have insurance being a taxi driver.
The letter also said they were gettin an engineer to look over his car, and then she would be expected to pay for that. I've told her to forward it all to her insurance company but speaking to them this morning no claim as been brought against her.
Is he just trying to scare her into paying up out of her own pocket?



If they've mentioned physio examinations, then it does sound like he's trying to get some compo for injury and might well be doing it through one of these 'no win no fee' tv advert companies. Has she asked her insurance company for advice? If she's telling them it was just a small mark and now he's trying for injuries etc, then they might have some decent advice about next steps. My first step would probably be to write to the solicitors and tell them that all future correspondence is to go through the insurers and give their details and her reference number. Make sure it's all done in writing though to them. Then she should call her insurance company, tell them she's asked the solicitors to deal with them and let them know that she thinks he's trying to pull a fast one
#21
Charlie&Lola
If they've mentioned physio examinations, then it does sound like he's trying to get some compo for injury and might well be doing it through one of these 'no win no fee' tv advert companies. Has she asked her insurance company for advice? If she's telling them it was just a small mark and now he's trying for injuries etc, then they might have some decent advice about next steps. My first step would probably be to write to the solicitors and tell them that all future correspondence is to go through the insurers and give their details and her reference number. Make sure it's all done in writing though to them. Then she should call her insurance company, tell them she's asked the solicitors to deal with them and let them know that she thinks he's trying to pull a fast one


Thank you, yes she's told them she thinks he's trying to pull a fast one. We also have a picture of the rear of his car with the number plate and unless you look really closely you wouldn't even see the mark. I'll print that off perhaps and send it to her insurance with all of the other details

Will her insurance appoint a doctor/hospital to 'deal with him' as such and an independant engineer to look over his car as opposed to one that is supposedly looking it over now?
banned#22
am I the only one who thinks these no win no fee companies should be outlawed in some way? Yet another american import we could well do without!
#23
Me again...sorry. After reporting it to my sisters insurance & sending an acknowledgement letter to the other drivers solicitor basically giving her insurance details she has received another letter this morning. This letter states the car is a total loss damage to rear quarter blah blah requesting £1500 as settlement for the car & the claim for compo is ongoing. He has also apparantly got a hire car for which they want her to pay. They said the damage is in excess of 2k .
She rang her insurance again and they still have no record of the accident as he still hasn't gone through his insurance & the solicitors have clearly ignored her letter which states all further corrsepondence should go through her insurance.
Anymore helpful advice?
I can post a pic of the car if need be.
Thank you so much in advance!
#24
have you checked the solicitors actually exist and it is not actually the driver trying to get cash out of you?

send them a pic of the damage and ask how that can come to 2K lol
#25
louiseb84
Me again...sorry. After reporting it to my sisters insurance & sending an acknowledgement letter to the other drivers solicitor basically giving her insurance details she has received another letter this morning. This letter states the car is a total loss damage to rear quarter blah blah requesting £1500 as settlement for the car & the claim for compo is ongoing. He has also apparantly got a hire car for which they want her to pay. They said the damage is in excess of 2k .
She rang her insurance again and they still have no record of the accident as he still hasn't gone through his insurance & the solicitors have clearly ignored her letter which states all further corrsepondence should go through her insurance.
Anymore helpful advice?
I can post a pic of the car if need be.
Thank you so much in advance!



Have her insurance company refused to deal with these solicitors unless a claim is made then? I'd personally send a letter by recorded delivery to the solicitors saying something along the lines of 'as previously requested, please deal directly with my insurance company as they are still waiting to hear from your client as no claim has been submitted to them to date.

If your sister has photographic evidence of the damage, also tell the solicitors that your insurers will be disputing the claims as you have photographic evidence of the damage. Tell them again that any future correspondence has to go through your insurance company as you will not be responding to them directly again.

It might also be worth seeing if there's anyway of finding out whether he actually has insurance or not, as I cant understand why he's not done this through insurers. If he's not insured, I'm sure the police would be interested to hear about him driving without insurance :-D
#26
Check his car actually has insurance: http://www.askmid.com/
#27
willdev
Check his car actually has insurance: http://www.askmid.com/


Careful, your not actually allowed to use that to find out if other people are insured. Just incase you quote it
#28
willdev
Check his car actually has insurance: http://www.askmid.com/


Thank you will pass it onto my sister.It is something we have thought about but then thought he's a taxi driver so surely must be insured? Then again there must be some reason why he won't go through his insurance.
What happen's if he still doesn't contact or pursue a claim through the insurance & only through the solicitors? I have searched the solicitors and they are defo a no win no fee company too.
#29
Chidda
Careful, your not actually allowed to use that to find out if other people are insured. Just incase you quote it


You can do a one off £3.50 for the purpose I intended earlier :thumbsup:
#30
louiseb84;8386510
Thank you will pass it onto my sister.It is something we have thought about but then thought he's a taxi driver so surely must be insured? Then again there must be some reason why he won't go through his insurance.
What happen's if he still doesn't contact or pursue a claim through the insurance & only through the solicitors? I have searched the solicitors and they are defo a no win no fee company too.

just tell solicitors to go via your insurers and you will not reply to any further communication from them
#31
chocci
just tell solicitors to go via your insurers and you will not reply to any further communication from them


We have done, and sent it recorded too so they have received it but they still sent the 2nd letter. I suppose time will tell as to whether it was crossed over in the post
Thanks :thumbsup:
#32
louiseb84
We have done, and sent it recorded too so they have received it but they still sent the 2nd letter. I suppose time will tell as to whether it was crossed over in the post
Thanks :thumbsup:


Is your sisters or whoevers insurance not dealing with this. As in forward all the paperwork from the solicitors and get her insurance communicating with them, and I do believe the insurance would then be under obligation to start conversing with his insurance/solicitor anyway.

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!