It's a "write off" what to do? - HotUKDeals
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It's a "write off" what to do?

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i drove my sis's car for her as she is not v. experienced a driver (YES she's a woman! lol) anyway a 4x4 decided not to use his breaks and rear ended the car, i believe it is a write off, way too muc…
bargain surfer Avatar
8y, 1m agoPosted 8 years, 1 month ago
i drove my sis's car for her as she is not v. experienced a driver (YES she's a woman! lol)
anyway a 4x4 decided not to use his breaks and rear ended the car, i believe it is a write off, way too much damage. Fortunately no severe "ambulance to hospital" type injuries.

I am insured to drive any car and she is fully comp on her policy. I am confused what'll happen, liability is undisputable, but will this affect my future premiums/insurance.
bargain surfer Avatar
8y, 1m agoPosted 8 years, 1 month ago
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1 Like #1
No if the 4x4 driver admits full liability..
1 Like #2
Nope as it was their fault.
#3
Unless your policy is expressed as fully comp on all cars, which is very unlikely, you'll only have minimum Road Traffic Act cover when driving another car. Similarly, unless you are a named driver on your sister's policy, she cannot claim on that so it is likely that you have no claim on either policy. If you don't make a claim then it should not affect future premiums because you don't need to tell your insurer about it.
1 Like #4
Just wait until tomorrow when you wake up with a stiff neck :whistling: lol

But as above, it's the other driver's fault so shouldn't affect you.
1 Like #5
Just go straight through the 3rd party's insurance.
If you go through your own insurance company it will still affect your renewal quote even though it wasn't your fault. The reason for this - Elephant told my OH - is that it shows that you are MORE LIKELY to be involved in an accident! :x
1 Like #6
surely if they hit you from behind its they fault? you'll be ok ..
#7
"I wouldn't have hit you if your brake lights were working......."

No longer the following cars fault and if the rear ends mullered, very hard to disprove. Just saying.....
banned 1 Like #8
Shengis
"I wouldn't have hit you if your brake lights were working......."


What do you mean not working. They were fine until you hit 'em!

very hard to disprove. Just saying.....


Yup. :thumbsup:

If its a case of a straight forward bump from behind (is no reversing!) it should be an open and shut case.
#9
tony_s1
. . . . . . If you don't make a claim then it should not affect future premiums because you don't need to tell your insurer about it.


Be careful! I stand to be corrected, but I believe a standard clause in motor insurance policies is that the insured person MUST INFORM their insurance company of all accidents, even if you do not intend to make a claim on your own insurance.

Remember that insurance companies readily exchange information with each other.

Also, as has been said earlier, regardless of how you view this incident, you may get a nasty surprise when the other driver makes a claim against you in due course! And your insurance company may not be best pleased if you have not informed them of the accident.

I believe this information to be accurate.
#10
First thing.Have you got independant witnesses,There are certain groups of people in this country who you may have a collision with and even though you thought you only saw one person in the car,When it comes to claiming on the insurance it turns out there were in fact five of them ,And every one is a witness to how your brake lights werent working,,This happened to a friends daughter recently and guess who eneded up paying out,
#11
Shengis
"I wouldn't have hit you if your brake lights were working......."

No longer the following cars fault and if the rear ends mullered, very hard to disprove. Just saying.....


WRONG! Insurance companies CAN tell whether a bulb was lit or not when it was smashed :)
#12
Insurance companies tend to tell drivers NOT to admit any fault, ever.
Then press for a knock for knock deal, where you pay your excess and your' insurance company fix your' car.
The fact that it was a 4x4 that ran into you is neither here nor there in my opinion.
Bad drivers drive all sorts of cars.
Just hope the other driver has insurance I suppose.
1 Like #13
Shambolic
The fact that it was a 4x4 that ran into you is neither here nor there in my opinion.


Probably included to indicate the level of damage and back up the write off, when a 4 x 4 hits you, there's only going to be one winner
#14
peodude
Probably included to indicate the level of damage and back up the write off, when a 4 x 4 hits you, there's only going to be one winner


Not if your' driving a JCB. :-D

I've seen Suzuki vitaras and Jimnys collapse like cardboard on impact, a Toyota Landcruiser mint not though. Not all 4x4s are tanks mind.
#15
peodude
Probably included to indicate the level of damage and back up the write off, when a 4 x 4 hits you, there's only going to be one winner


Tell me about it - my little car did not stand a chance last year when faced with an 'animal'!
#16
peodude
WRONG! Insurance companies CAN tell whether a bulb was lit or not when it was smashed :)


I suppose it's possible IF the glass and filament are still present (unlikely), connectors are well known for coming loose though. I should know, I own a Ford :lol:
#17
Shengis
I suppose it's possible IF the glass and filament are still present (unlikely), connectors are well known for coming loose though. I should know, I own a Ford :lol:


Or simply a blown 15 amp fuse would put out all your brake lights too.
#18
When the glass is smashed, when the bulb is lit, the filament goes different than when the glass is smashed when it's off. So when they check the smashed bulbs, they can tell the difference :)

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