small car accident and other party wants to claim - HotUKDeals
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small car accident and other party wants to claim

fads30 Avatar
6y, 5m agoPosted 6 years, 5 months ago
Hi all
Thought i'd ask you all before i take action!

Hubby Was in a car park yesterday and reversing to turn the car round when another driver who was also reversing banged into him. Both parties say that they did not see each other. Cars have been dameged slightly. Other party wanted to claim on the insurance but have now agreed we will pay privatly but other party still has not been in touch as they said that they would contact us this morning!
Can she claim on our insurance without us knowing and what do i do as we never done this before! First time me aand my hubby have had an accidant and it looks like the ither party is being unfair.

Any help will be much appreciated.

sorry i know this is not a genaral deal but i wanted much response as i can.

Thanks for your help!
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fads30 Avatar
6y, 5m agoPosted 6 years, 5 months ago
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#1
it was there fault i saw it all you were stationary when they hit you
1 Like #2
something like this happend to me and my hubbie ina B&Q car park a few yrs back! quite common i hear from talking to friends/family....anyway we both took insurance details down and claimed from each others insurance companies as it was neither of your faults! hubbie was reversing first and checked through the back window before reversing the other party an elderly woman and her friend were so in shock they didnt really say anything...not sure if this helps or not but I would go through the correct channels and call your insurance company straight away otherwise they will question why it has taken you so long to call it in:)
#3
you need to contact your insurer immediately and explain the situation. if other person doesnt try and claim on his insurance it wont go against you what so ever as long as you dont claim for your car's damage. failure to contact insurance within 24hours of a crash im pretty sure is a criminal offence and your insurer may not payout if need be if you have not complied with there terms and conditions which will leave you liable for costs and possibly a police conviction
#4
tinkerbell28
That post has so much crap in it I don't know where to start.


ok good point, i see what you mean. not calling the insurance seems like much better advice, lets see where that gets them. i also put 'im pretty sure' not this is fact. sorry to the op for actually trying to help them and not just putting a silly comment like yours that is not any help to anyone.
#5
dekaburns;8788357
ok good point, i see what you mean. not calling the insurance seems like much better advice, lets see where that gets them. i also put 'im pretty sure' not this is fact. sorry to the op for actually trying to help them and not just putting a silly comment like yours that is not any help to anyone.

to be fair, wrong information is worse than no information.
banned#6
raptorcigs
it was there fault i saw it all you were stationary when they hit you


oh good, you're back.

Inb4 usual whinging and sick comments.
#7
dekaburns
you need to contact your insurer immediately and explain the situation. if other person doesnt try and claim on his insurance it wont go against you what so ever as long as you dont claim for your car's damage. failure to contact insurance within 24hours of a crash im pretty sure is a criminal offence and your insurer may not payout if need be if you have not complied with there terms and conditions which will leave you liable for costs and possibly a police conviction


Er, I'm pretty sure it's not. If that was the case, what happens if you reverse your car accidentally into something, say a lampost. Lampost is ok, slight dent to your car but otherwise it's fine. Would you be a criminal if you didn't report it???

In reply to the OP - it will only become a problem if the other party contact their insurance and put all the blame squarely on you, which would mean their insurance company would try to claim all their costs from your. If they claim on their insurance for damage to their car only (i.e. they say they've had an accident but both parties were at fault) they won't need to contact your insurers...
banned#8
civms47
Er, I'm pretty sure it's not. If that was the case, what happens if you reverse your car accidentally into something, say a lampost. Lampost is ok, slight dent to your car but otherwise it's fine. Would you be a criminal if you didn't report it???


yes you would, a bad example I think, but if that lamp post belonged to you then you would be fine.

If it was a 50/50 I would repair my car and tell them to do the same. It will just cost more in the long run when your premiums shoot up at renewal.
#9
Insurance claims would class this as 50/50...
#10
I think most insurance companys would class this as ..knock for knock . so, you both may lose out in terms of no claims etc .

But on the other hand ,
' you may both be sent to prison , heavily fined for your actions , you may be deported and banned from all car parks in the future and the cars can be confiscated and sent to the crusher '

hows that for CRAP information ?
#11
grimm6
Insurance claims would class this as 50/50...


I agree - both parties reversing at the same time. No greater blame can be placed on either party
#12
Contact your own insurance as others have suggested - but get your husband to fill in the forms - that way they might understand it.
#13
Any accidents, whether you claim or not, SHOULD be reported to the insurance company. Whether you do or not is a different matter, i bet there's many that don't.
banned#14
peodude
Any accidents, whether you claim or not, SHOULD be reported to the insurance company. Whether you do or not is a different matter, i bet there's many that don't.


Some more bad advice. I caused £250 worth of damage to my car in the snow and had to be put on the back of a break down truck. My insurance per year was £1,300 at the time with a couple of no claims. Had i reported it they would have bumped my premium up tons as many people say even if its not their fault.

Had an accident in the works van but was paid out of their money, no insurance company involved. Believe thats resortable but was over 5yrs ago now.
#15
happened to me few months ago. i did stop but the boots mini van man carried on reversing. he hit back of my car but not too bad and no visible damage, so i said not to worry about it. dont think he could believe it!!

shame u both have damage otherwise u could have called it quits and driven off.

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