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Car accident

just a quick question, my mate was filling up at a petrol station and a truck van reversed in and smacked the front corner of his clio 2006. is it best to go through no win no fee people or through car insurance company to avoid losing no claims bonus?

its been reported to the police and its been captured on cctv showing its completely the other guys fault (the truck guy).

25 Comments

insurance

don't take the first offer they make you

Banned

insurance def best option

No win = no fee, Yes win = big fee

insurance, for sure

HIS insurance will pay if its entirely his fault so that surely doesnt affect your no claims bonus does it?

someone hit me the other day and drove off....I got their plate and went to the police, police gave me their details and we agreed to settle away from the ins comps (he paid for the damage sorting) was the best way for me, cost me nothing and no change in the no claims....however the truck/van thing makes me think it was prob a company.....therefore the best thing to do would prob be claim through ins, he'll lose the no claims, but I agree with lottysdad that if he wins (which it sounds like will happen) itll cost him loads anyways, easy money for them (unless you find a comp that takes the fee from the other person)

massmail666;8679375

lol, i was reading ur thread about idiots at petrol stations the other … lol, i was reading ur thread about idiots at petrol stations the other day.



I can predict the future:whistling:

barky;8679360

HIS insurance will pay if its entirely his fault so that surely doesnt … HIS insurance will pay if its entirely his fault so that surely doesnt affect your no claims bonus does it?



I think it does, now on insurance applications it asks if you have made a claim in the past 5 years regardless of blame/outcome....so it must affect something, pretty sure it ups the premium

barky;8679360

HIS insurance will pay if its entirely his fault so that surely doesnt … HIS insurance will pay if its entirely his fault so that surely doesnt affect your no claims bonus does it?



lil_tiger;8679391

I think it does, now on insurance applications it asks if you have made a … I think it does, now on insurance applications it asks if you have made a claim in the past 5 years regardless of blame/outcome....so it must affect something, pretty sure it ups the premium



It does affect your premium, because you will be seen as a risk henceforth...irrespective of if the fault was your or not...Insurance companies are scums....... milk you dry but not willing to part with anything which you will not pay back for....legalised thiefs..

Banned

massmail666;8679455

no claims is protected, if that helps???



Its usually only protected for a couple of claims in so many years, after that you'll find your insurance rocketing

barky;8679360

HIS insurance will pay if its entirely his fault so that surely doesnt … HIS insurance will pay if its entirely his fault so that surely doesnt affect your no claims bonus does it?



Sadly yes !! Until the claim is completed anyway. I know 2 people who have recently gone through this, neither even being in the car at the time of the incudent but both lost there NCB. Although 1 has after much argument managed to get it reduced again now the claim is finalised.

Supermod

Surely the principle of "no win, no fee" relates to claims for personal injury? If he is not disputing fault there will be no problem in claiming back damages for the vehicle?

Hmmm - i'm a bit confused now after reading some of the replies. About 2 months ago a woman slammed into the back of my car (knackered taillight, bumper, scratches etc..) her car was in a bit of a mess though - far worse than mine. After swapping details etc..(both fully comp) her insurance company phoned me the following day and said that as she was at fault AND had admitted full liability there was no need to involve my insurance company at all as they would take care of everything - repairs and cost of hire car etc....I was also told that because of this it also would not effect my NCB :thinking:

did the truck driver just drive off.

lil_tiger;8679382

someone hit me the other day and drove off....I got their plate and went … someone hit me the other day and drove off....I got their plate and went to the police, police gave me their details and we agreed to settle away from the ins comps



Did the police charge him with leaving the scene of an accident.

Banned

WonderWoman;8679604

Hmmm - i'm a bit confused now after reading some of the replies. About 2 … Hmmm - i'm a bit confused now after reading some of the replies. About 2 months ago a woman slammed into the back of my car (knackered taillight, bumper, scratches etc..) her car was in a bit of a mess though - far worse than mine. After swapping details etc..(both fully comp) her insurance company phoned me the following day and said that as she was at fault AND had admitted full liability there was no need to involve my insurance company at all as they would take care of everything - repairs and cost of hire car etc....I was also told that because of this it also would not effect my NCB :thinking:


it wont affect your no claims bonus but your premium will probably go up as you have to tell them about the accident on renewal

csiman;8679676

it wont affect your no claims bonus but your premium will probably go up … it wont affect your no claims bonus but your premium will probably go up as you have to tell them about the accident on renewal


That seems sooo unfair that my premium should go up. I'd stopped at a red light - so had no choice. In the meantime I caught her out of my rear view mirror because I thought she was going to fast - and she wasn't even looking properly - she was bending over and faffing around in the glove box :x.

Banned

WonderWoman;8679780

That seems sooo unfair that my premium should go up. I'd stopped at a red … That seems sooo unfair that my premium should go up. I'd stopped at a red light - so had no choice. In the meantime I caught her out of my rear view mirror because I thought she was going to fast - and she wasn't even looking properly - she was bending over and faffing around in the glove box :x.


yeah, not fair but thats the way it is I'm afraid. Just use quidco and shop around. I made a profit on my car insurance 2 years ago lol (premium was £87 with £100 cashback!).

Try these people:

helphire.co.uk/

If you're not to blame then they will sort everything for you (including the courtesy car), and bill the other driver.

I've used them before & they were very good:thumbsup:

EDIT: and it doesn't get reported to your insurance company.

csiman;8679792

yeah, not fair but thats the way it is I'm afraid. Just use quidco and … yeah, not fair but thats the way it is I'm afraid. Just use quidco and shop around. I made a profit on my car insurance 2 years ago lol (premium was £87 with £100 cashback!).


Blimey! nice one :thumbsup: My renewal is up in another 2/3 months so will deffo do then.

Supermod

massmail666;8679825

the thing is the black guy was acting very dodgey and possibly gave a … the thing is the black guy was acting very dodgey and possibly gave a fake address before instantly driving off.



...ok, but it still isnt "no win, no fee" in this situations. That relates to claims for personal injury.

Banned

i think if u have reported to police, then the insurance company will have to know abt it anyways. I have had a no fault accident before and if ur NCD is protected, then you dont loose them but does stay on our records for 5-6years.
I have never dealt ith no win no fee people before so couldnt comment on that.

Banned

Go through the insurance, I wouldn't think of doing it any other way.

massmail666;8679855

cheers, how long did it take for u to complete everything?



No time at all - I took my car to a local repair shop who told me about them. I phoned them & they send me paperwork to fill in, but instructed the repair shop to proceed in the meantime.

I had to 'pay' a small fee for 'angel insurance' (in case it all fell through), but I didn't actually have to pay anything - I had to sign a form & was told that the money would be taken only if I was found to be not at fault. to be honest, I was a bit dubious, but it was only £20, & as everything else was being dealt with professionally (including a courtesy car within 24 hours) I took a punt. As it was, I didn't have to pay anything.

Banned

massmail666;8679825

the thing is the black guy was acting very dodgey and possibly gave a … the thing is the black guy was acting very dodgey and possibly gave a fake address before instantly driving off.


what does him being black have to do with anything? :w00t:

I trust you noted his licence plate......
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