I was recently crashed into...

34 replies
Found 12th Dec 2016
Ok so recently while I was parked up a school bus scraped the front bumper of my car. They accepted that the fault is 100% theirs. However my concern is as I am 23 and quite young in terms of insurance. Even though it a no fault claim, the fact that they still ask if I've been in accident, I have a feeling that it may increase my premiums. Is there any way around it? Also, I've asked them to settle outside of insurance and they declined.

I've been told about using a claims company who will contact the other parties insurance directly and not involve mine. Are they safe? And can anyone recommend one from experience.

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34 Comments

If you have had an accident then you need to inform your insurance company. If you dont and they find out in future (when you had an accident) then it would invalidate your insurance cover.

Either contact your insurance and let them know or if its not too bad put the whole thing down to bad luck and dont get it fixed.

I've used claims companies when I had some sort of accident, best to look for ones who don't take any money from your claim but instead from the other company, lots of claim companies take a cut out of your money. AVIOD them.

either way you need to let your own insurance know even if your not at fault.

if you swapped details the other party's insurance should contact you to discuss repairing your car.

I'm going through the same thing at the minute,i wouldn't get any other companies involved it just complicates things
Edited by: "brownbear86" 12th Dec 2016

As #1, you have to tell them, even if you are not at fault; and sadly yes, it can affect future premiums even when it wasnt your fault.

Original Poster

jdpwest

If you have had an accident then you need to inform your insurance … If you have had an accident then you need to inform your insurance company. If you dont and they find out in future (when you had an accident) then it would invalidate your insurance cover.Either contact your insurance and let them know or if its not too bad put the whole thing down to bad luck and dont get it fixed.



brownbear86

either way you need to let your own insurance know even if your not at … either way you need to let your own insurance know even if your not at fault



I wasn't aware that this was the case as it was just a minor scrape on the bumper but all the garages around here want £350 + to repaint the bumper

I got a bump last week from another driver whilst I was stopped at traffic lights. I asked my insurance company about my premiums going up when it wasn't my fault and she was adamant they wouldn't. Some companies to increase premiums regardless of fault and I looked online and found that to be the case, but not all do. I'm just letting her insurance company pay for the damage.

Because they have to do it to new fresh out the factory standard, they have to warranty work, insurance companies are slow pita to deal with & because it's insurance they double the price.

Ask for a private quote & you'll see the difference!

Whereas Mr Bloggs backstreet garages Ltd could say go hunting scrappies for a new bumper in the right colour & stuck that on its not an option for an insurance repair.

Had something similar happen to me parked at Mcd's catching a few zzz's & this woman clips my rear quarter swinging her husbands mondeo Estate into the space & she just kept going all the way down the car, her wing must've caught the door because it peeled the door open like a tin opener.

I just sat there & laughed because I couldn't believe it...

Was in the phone to insurers explaining it & they said how do you know that's what happened if the car was parked, I said because I was asleep in it at the time.

I had another one with the local crazy old lady who shouldnt be driving went straight thru a give way at a time junction straight into the side of me at 30mph.

She then had the cheek to say didn't you see me & then I didn't see you! As I explained to her insurers (saga) I was driving a bright red mondeo Estate on a lovely clear sunny day & the t junction was next to the village green where you can see for a mile in every direction.

I didn't even have to do anything a week later a cheque turned up for £1800 (the mondeo cost me £550)

Shes still driving now, she uses touch parking meaning she goes in a given direction until she hits something I KID YOU NOT

You are contracted to tell your insurer. Failing to declare claims will get picked up on and could make it difficult to get insurance in the future. There is a central database (CUE) which holds all this info anyway.

Generally non fault claims have little or no affect on your premium. Some insurers apply a small loading because the price is about the risk you pose to costing them money in the future. Someone with 5 non-fault claims is a greater risk than someone with no claims at all; the latter person arguably drives in a way that avoids claims.
Non-fault claims are usually only 'non-fault' if there's another party's insurance to pay up. If they drove off, it would still be classified as your fault.

cookiedream

I got a bump last week from another driver whilst I was stopped at … I got a bump last week from another driver whilst I was stopped at traffic lights. I asked my insurance company about my premiums going up when it wasn't my fault and she was adamant they wouldn't. Some companies to increase premiums regardless of fault and I looked online and found that to be the case, but not all do. I'm just letting her insurance company pay for the damage.



I've had the same advice before, but wait for your renewal. It will be higher as mine was. When I called back they said "your discount isnt affected as it wasnt your fault so thats not changed, but your premium has gone up which means the renewal is higher than it was"

Rich44

Because they have to do it to new fresh out the factory standard, they … Because they have to do it to new fresh out the factory standard, they have to warranty work, insurance companies are slow pita to deal with & because it's insurance they double the price. Ask for a private quote & you'll see the difference! Whereas Mr Bloggs backstreet garages Ltd could say go hunting scrappies for a new bumper in the right colour & stuck that on its not an option for an insurance repair. Had something similar happen to me parked at Mcd's catching a few zzz's & this woman clips my rear quarter swinging her husbands mondeo Estate into the space & she just kept going all the way down the car, her wing must've caught the door because it peeled the door open like a tin opener. I just sat there & laughed because I couldn't believe it... Was in the phone to insurers explaining it & they said how do you know that's what happened if the car was parked, I said because I was asleep in it at the time. I had another one with the local crazy old lady who shouldnt be driving went straight thru a give way at a time junction straight into the side of me at 30mph.She then had the cheek to say didn't you see me & then I didn't see you! As I explained to her insurers (saga) I was driving a bright red mondeo Estate on a lovely clear sunny day & the t junction was next to the village green where you can see for a mile in every direction. I didn't even have to do anything a week later a cheque turned up for £1800 (the mondeo cost me £550)Shes still driving now, she uses touch parking meaning she goes in a given direction until she hits something I KID YOU NOT



http://3.bp.blogspot.com/--pOvqbxSgpk/Uux-1896LsI/AAAAAAAAB8I/mvBVX12twdM/s1600/Cool_story_bro_1359.jpeg

Original Poster

jdpwest

I've had the same advice before, but wait for your renewal. It will be … I've had the same advice before, but wait for your renewal. It will be higher as mine was. When I called back they said "your discount isnt affected as it wasnt your fault so thats not changed, but your premium has gone up which means the renewal is higher than it was"



Yeah I can imagine that they will agree to it not increasing premiums then when it comes to renewal they don't care and will simply give you an apology for the advisor giving wrong information. Followed by a "Is there anything else I can help you with today?"

Me "Yea..."

Them "Ok have great day" *HANGS UP*

jdpwest

I've had the same advice before, but wait for your renewal. It will be … I've had the same advice before, but wait for your renewal. It will be higher as mine was. When I called back they said "your discount isnt affected as it wasnt your fault so thats not changed, but your premium has gone up which means the renewal is higher than it was"




Well I hope they don't as I've built up many years no claims and it would be unfair if they penalise you for something that wasn't your fault.

cookiedream

Well I hope they don't as I've built up many years no claims and it would … Well I hope they don't as I've built up many years no claims and it would be unfair if they penalise you for something that wasn't your fault.



​Unfortunately they do, if the damage is not that bad and only cosmetic then you might just consider not claiming at all, it does suck but it could be worth it in the long term. It shouldn't be like that but the reality is that your premiums may go up as a result at some point as some of the others have pointed out for various reasons. I'd weigh up the pros and cons for you (age of car and how it will devalue that also) and decide what's going to be best for you

jdpwest

If you have had an accident then you need to inform your insurance … If you have had an accident then you need to inform your insurance company. If you dont and they find out in future (when you had an accident) then it would invalidate your insurance cover.Either contact your insurance and let them know or if its not too bad put the whole thing down to bad luck and dont get it fixed.

brownbear86

either way you need to let your own insurance know even if your not at … either way you need to let your own insurance know even if your not at fault


Go on Judge Rinder?

My son had a no fault claim, the police even procecuted the other driver, that didn't stop the insurance company putting his premium up from £1300 to £1700. A complete con, I agree with the previous poster, don't claim get a local scratch and dent specialist to fix it. Just be careful with new policies, some will ask if you have had a claim, some an accident, you can honestly reply to one, not the other.
Edited by: "dwain" 12th Dec 2016

Original Poster

londonlad19

​Unfortunately they do, if the damage is not that bad and only cosmetic t … ​Unfortunately they do, if the damage is not that bad and only cosmetic then you might just consider not claiming at all, it does suck but it could be worth it in the long term. It shouldn't be like that but the reality is that your premiums may go up as a result at some point as some of the others have pointed out for various reasons. I'd weigh up the pros and cons for you (age of car and how it will devalue that also) and decide what's going to be best for you


It's a 2014 BMW 3 Series and I got quite lucky with my premium (£500) for my age and I'm worried this is going to mess it up come renewal time. It's annoying because I've only had it for about 2 months and the damage is so noticeable.

Original Poster

dwain

My son had a no fault claim, the police even procecuted the other driver, … My son had a no fault claim, the police even procecuted the other driver, that didn't stop the insurance company putting his premium up from £1300 to £1700. A complete con, I agree with the previous poster, don't claim get a local scratch and dent specialist to fix it. Just be careful with new policies, some will ask if you have had a claim, some an accident, you can honestly reply to one, not the other.



Yeah but that means the other party get away with being an awful driver as they crashed into mine and 2 other cars which were all parked up. I wouldn't mind paying but the best price I can probably get to repair is £250 and I shouldn't have to pay that much for something no fault of my own.
Edited by: "trekstor" 12th Dec 2016

londonlad19

​Unfortunately they do, if the damage is not that bad and only cosmetic t … ​Unfortunately they do, if the damage is not that bad and only cosmetic then you might just consider not claiming at all, it does suck but it could be worth it in the long term. It shouldn't be like that but the reality is that your premiums may go up as a result at some point as some of the others have pointed out for various reasons. I'd weigh up the pros and cons for you (age of car and how it will devalue that also) and decide what's going to be best for you



Car is not even 2 years old, hers was 14 years old. Got a local body shop to quote for repair as she originally wanted it off insurance but when she found out price, she wanted it through insurance. Most of damage is under bumper apparently.
Edited by: "cookiedream" 12th Dec 2016

Unfortunately, even informing them of an accident and not claiming, even if it wasn't your fault, may increase your policy as they can deem it that you are more likely to make a claim in the future. That's exactly what I went through with Admiral and I binned them straight away. There's plenty of other companies desperate for your business. My advice would be to make the claim and shop around at renewal time.

cookiedream

Well I hope they don't as I've built up many years no claims and it would … Well I hope they don't as I've built up many years no claims and it would be unfair if they penalise you for something that wasn't your fault.



I had someone drive into me a couple of months ago and have 15 years no claim bonus. just been advised my renewal has gone up by 15% as a result of me making a claim against someone else (no fault by me). but given the damage I didnt have a choice.

trekstor

Yeah but that means the other party get away with being an awful driver … Yeah but that means the other party get away with being an awful driver as they crashed into mine and 2 other cars which were all parked up. I wouldn't mind paying but the best price I can probably get to repair is £250 and I shouldn't have to pay that much for something no fault of my own.



​best thing to maybe is quite some qoutes expensive ones I'm pretty sure u can then either get it repaired if it's bmw take it to a bmw specialist or one of there main dealerships for the qoute then send it across they usually send out a check for that amount then it's upto to have it repaired say for the 250 and keep the rest to pay for the increase in premiums that's going to aube happen or maybe not depend on whom ur insurers are. one of my family members was with octagon and had a accident suprising they were the cheapest after the accident and still are around 270 with the next cheapest over 350.

As others have said, you do need to declare it to your insurance and sadly it will go up. The reason it goes up is to do with statistics I am sure I read somewhere that the chances of being involved in a fault accident after a non fault accident is 'high' I'm sure theres a story of a guy who's parked BMW was hit and his insurance went up a lot (non-fault as it was parked)

If it's not that expensive to fix then take it to a garage, if it's a big job that requires a lot of cash then though insurance. Reason being once you tell your insurance it will put your insurance up. Those are your two choices.
Edited by: "MR1123" 12th Dec 2016

Original Poster

muddassarsardar

​best thing to maybe is quite some qoutes expensive ones I'm pretty sure u … ​best thing to maybe is quite some qoutes expensive ones I'm pretty sure u can then either get it repaired if it's bmw take it to a bmw specialist or one of there main dealerships for the qoute then send it across they usually send out a check for that amount then it's upto to have it repaired say for the 250 and keep the rest to pay for the increase in premiums that's going to aube happen or maybe not depend on whom ur insurers are. one of my family members was with octagon and had a accident suprising they were the cheapest after the accident and still are around 270 with the next cheapest over 350.


BMW quoted almost a £1000 to repair the bumper.

A Royal Fail van tried to squeeze down the side of OH's car recently and it damaged the door,he admitted liability and then surprise surprise changed his mind later on.

So frustrating that people do that and then you're out of pocket through no fault of your own.

Original Poster

deb8z

A Royal Fail van tried to squeeze down the side of OH's car recently and … A Royal Fail van tried to squeeze down the side of OH's car recently and it damaged the door,he admitted liability and then surprise surprise changed his mind later on.So frustrating that people do that and then you're out of pocket through no fault of your own.


The funny thing is it was the school bus of my secondary school that crashed into me. So I know the staff..guess I'm lucky in that respect or unlucky idk

jdpwest

If you have had an accident then you need to inform your insurance … If you have had an accident then you need to inform your insurance company. If you dont and they find out in future (when you had an accident) then it would invalidate your insurance cover.Either contact your insurance and let them know or if its not too bad put the whole thing down to bad luck and dont get it fixed.

brownbear86

either way you need to let your own insurance know even if your not at … either way you need to let your own insurance know even if your not at fault



​just let the insurance companies sort it after all that's what you pay them for ,every year my renewal has increased and every year I change company and eventually manage to get it cheaper, also after my experience if you do have a bump don't let the other person offer to pay as like you say they have a shock at the price of the repairs and then try and wriggle out of it ,I'll always go through the other party's insurance no matter how small the damage is or the sob story I get oO

Yes that's fine send the qoutes off and they should offer u money to repair it they won't bother with 1000 pounds it's best for them settle claim asap as some companies will squeeze slot out of the insuranc companies though claim firms they charge like 20 quid a day for storage then another 50/70 pounds per day for car hire etc. so if they pay out asap thus saves them these additional inflated costs.Or as I view them fabricated rubbish which causes everyone's insurance to go up. the amount of stuff these claims companies make is ridiculous to get money off insurance firms. some will even offer you upto 500 quid for a claim and even upto 1000 if it involved injury.

sorry for all the typos

no point getting a quote from bmw, they not going to take it to bmw for repairs (_;)

I would claim then check other insurers at renewal. I got my first car when i was 21 and got the cheapest insurance i could. I had it for 2 years then the company sold to a foreign company which boosted all the premiums up to more than everyone else quoted me. My brother works in a little independent insurance firm in my town and he's great at finding insurance of all kinds cheaper for me, i wouldn't have gone there if he didn't work for them. He searches for the best price and if i find it cheaper i know i have a good deal. Might be worth checking a local company for yourself at renewal? Always worth a shot and they would be able to advise about all of this too

trekstor

Yeah but that means the other party get away with being an awful driver … Yeah but that means the other party get away with being an awful driver as they crashed into mine and 2 other cars which were all parked up. I wouldn't mind paying but the best price I can probably get to repair is £250 and I shouldn't have to pay that much for something no fault of my own.



You don't really have a choice though - you can either pay it now, or pay it through X years of increased premiums. Personally that's why I have a high excess on any insurance I take out, because unless it's costly enough to cause me hardship if I had to pay it, I'd just fix it myself (or just leave it alone, depending on the vehicle).

You have to contact your insurance company weather your fault or not. Someone reversed into my car at set of traffic lights. Damage to bumper and headlight. Nothing major. Contacted my insurance, who arranged for it to be repaired and oranised a courtesy car. My premiums didnt go up as it wasnt my fault, the other parties insurance footed the cost.

MR1123

no point getting a quote from bmw, they not going to take it to bmw for … no point getting a quote from bmw, they not going to take it to bmw for repairs (_;)


I insisted for mine
with resale value much better to have full bmw repair service.
they will arrange courtesy car and they even have claims handling for non fault claims too
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