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    is there anyway to check if someone has car insurance on thier car that bumped us?

    ok to cut a long story short, hubby was driving home from work yesterday stopped at the roundabout behind 2 other cars and a ash cart and a women drove into the back of him, cant see any damage to our car on the backend but cant see underneath it. phoned my insurance company to tell them , gave them her details then today someone calls asking do we want to claim off our insurance? they spoke to my hubby so he didnt think anything of it just said no we want to claim off hers if there is any damage to the car.
    I gets home he tells me and alarm bells are ringing! phoned my insurance company and they say i need to ring in the morning to speak to the 2nd claims department?
    so is there anyway to check if this woman was insured or not?

    34 Comments

    Banned

    Due to data protection I doubt the insurance compnay will tell you and certainly the OB wont let you know either

    Kinda naughty to use but you could ask mid
    It's still free......
    Edited by: "boydent999" 26th Oct 2010

    Original Poster

    thanks guys, askmid looks like a go then

    Banned

    boydent999

    Kinda naughty to use but you could ask midIt's still free......



    phew I am insured

    Original Poster

    dog_cop

    Due to data protection I doubt the insurance compnay will tell you and … Due to data protection I doubt the insurance compnay will tell you and certainly the OB wont let you know either


    thats what i thought. whats OB?

    Lol, i wonder if any of your work vehicles are......

    Banned

    boydent999

    Lol, i wonder if any of your work vehicles are......



    yes third party oO

    Banned

    vinylandtrinkets

    thats what i thought. whats OB?



    Old Bill

    Original Poster

    ok paid the £3.50 and it says who she is insured with so why would my company want us to claim off OUR policy? hmm

    dog_cop

    yes third party oO

    Oh the irony what about fire and theft? I'll be off now

    Original Poster

    vinylandtrinkets

    ok paid the £3.50 and it says who she is insured with so why would my … ok paid the £3.50 and it says who she is insured with so why would my company want us to claim off OUR policy? hmm



    Ohhhhh i get it now dogcop LOL thanks

    Oh no, why did you pay I'm sorry i didn't post the link for you to pay

    Original Poster

    boydent999

    Oh no, why did you pay I'm sorry i didn't post the link for you to pay … Oh no, why did you pay I'm sorry i didn't post the link for you to pay



    its ok hun i had to find out or not sleep tonight

    vinylandtrinkets

    its ok hun i had to find out or not sleep tonight

    Ok, but sorry, i'll pay halves as a refund?
    It's why i said, it's a bit naughty but just tick the box to say it's yours was what i meant.....sorry

    Original Poster

    boydent999

    Ok, but sorry, i'll pay halves as a refund?It's why i said, it's a bit … Ok, but sorry, i'll pay halves as a refund?It's why i said, it's a bit naughty but just tick the box to say it's yours was what i meant.....sorry




    thanks for the offer hun, that was lovely but its fine honestly i needed to know and now i do. she hadnt reported the bump by the looks of it either. so i'll have to talk to our insurance in the morning

    Original Poster

    LOL i just found the bit your talking about.. and i am insured

    vinylandtrinkets

    LOL i just found the bit your talking about.. and i am insured

    Now that would have been ironic
    Worth adding to your faves/bookmarks

    Original Poster

    boydent999

    Now that would have been ironic :)Worth adding to your faves/bookmarks



    lol yes it would, ive added it to. thanks again guys i can sleep tonight now

    vinylandtrinkets

    ok paid the £3.50 and it says who she is insured with so why would my … ok paid the £3.50 and it says who she is insured with so why would my company want us to claim off OUR policy? hmm



    Because your insurance company will pay for your damage, then go after the other company for the money, you will also have to pay any excess first.

    In my opinion, if you have little or no damage to your car, I would not bother claiming or letting them know because it will still have an affect on your next year's premiums.

    Original Poster

    aircanman

    Because your insurance company will pay for your damage, then go after … Because your insurance company will pay for your damage, then go after the other company for the money, you will also have to pay any excess first. see thats what i asked them yesterday they said if she was insured we wouldn't have to pay a penny toward the excess or lose any no claims bonus . our car is a volvo so its built like a tank but its creaking at the back now so im not sure if theres damage or not unless its up on ramps , the only day i can get it check is friday so might have to waitIn my opinion, if you have little or no damage to your car, I would not bother claiming or letting them know because it will still have an affect on your next year's premiums.

    I had something similar last year, a small bump and i told our insurance company just to be careful, anyway they then called me several times asking if i wanted to make a claim, they said that they would deal with it and claim the excess back from the other company, i pointed out it was not a big bump and said no, and the other party were paying in full, They still persisted to get me to make a claim for about three days, i was eventually told its there way of generally making some money out of the situation. Its just another insurance money making/policy claim bump tactic i think

    vinylandtrinkets

    ok paid the £3.50 and it says who she is insured with so why would my … ok paid the £3.50 and it says who she is insured with so why would my company want us to claim off OUR policy? hmm



    why did you pay ? ....i just went on site ( purely to be nosey , as i know im insured !) and didnt pay oO

    Original Poster

    aircanman. thanks for that. i asked my company if we would have to pay the excess they said no as long as she was insured. And i wouldnt lose any no claims.

    Skellygirl thanks for the tip, will keep that in mind tomorrow when i phone them

    Original Poster

    shopstilldrops because i didnt see the " other" bit until it was to late, its fine i had to know and now i do , even if it cost only 3.50

    shopstilldrops

    why did you pay ? ....i just went on site ( purely to be nosey , as i … why did you pay ? ....i just went on site ( purely to be nosey , as i know im insured !) and didnt pay oO

    Cos boydent999 is a complete and utter **** and a waste of ******* time!!!! Never listen to him!!!

    Original Poster

    boydent999

    Cos boydent999 is a complete and utter **** and a waste of ******* … Cos boydent999 is a complete and utter **** and a waste of ******* time!!!! Never listen to him!!!



    i dont think that hun, im glad you helped me out

    vinylandtrinkets

    aircanman. thanks for that. i asked my company if we would have to pay … aircanman. thanks for that. i asked my company if we would have to pay the excess they said no as long as she was insured. And i wouldnt lose any no claims.Skellygirl thanks for the tip, will keep that in mind tomorrow when i phone them



    Some companies are different, so it is always good to double check. If the other party does admit liability, you will not have to pay the excess, but your insurance company may ask you for it first, then claim it off the other insurance company when the claim is closed (which could take weeks/months)

    Original Poster

    aircanman thanks for that bit of info i had no idea, glad my excess is only £100 now. well that site that boydent999 gave me says she was insured but hadnt told insurance about the bump yesterday so just going to have to wait until the morning to confirm.
    thanks again guys you are stars , boydent999 is the best lol

    Original Poster

    quick update. spoke to the insurance company today, IVE got to take my car in to their nominated garage next Wednesday ( only day they can fit us in) they will look at the car and tell me there and then if it needs repairs. hopefully they will have the courtesy car there for me!
    We've got to pay the excess which is now £250.00 not impressed at all by that, it says £100 on my inhand policy but they say its a typo! hmmm,
    then claim it back of the other driver, she is insured, she hadnt told her insurance about the bump, they found out when my insurance made the claim. So just need to wait now.
    thanks again guys for all the help .x

    Banned

    vinylandtrinkets

    quick update. spoke to the insurance company today, IVE got to take my … quick update. spoke to the insurance company today, IVE got to take my car in to their nominated garage next Wednesday ( only day they can fit us in) they will look at the car and tell me there and then if it needs repairs. hopefully they will have the courtesy car there for me!We've got to pay the excess which is now £250.00 not impressed at all by that, it says £100 on my inhand policy but they say its a typo! hmmm,then claim it back of the other driver, she is insured, she hadnt told her insurance about the bump, they found out when my insurance made the claim. So just need to wait now.thanks again guys for all the help .x



    I would say thats their mistake not yours and dont let them con you out of your cash ..

    My car was rear ended and didnt have much damage but the axel had been completely broken and my car was written off!

    Banned

    vinylandtrinkets

    aircanman. thanks for that. i asked my company if we would have to pay … aircanman. thanks for that. i asked my company if we would have to pay the excess they said no as long as she was insured. And i wouldnt lose any no claims.Skellygirl thanks for the tip, will keep that in mind tomorrow when i phone them


    your premium will probably go up a bit more than usual next year as you have been involved in a claim (regardless of fault).

    Original Poster

    oh i hope not since we moved our insurance has gone up by £200 already even though the car is garaged every night.
    gemmyw thats what im worried about just because we cant see anything doesnt me some things not broken, just want to be safe.
    Dog cop thanks for the advice ive already emailed them my policy and the cover note they sent our, and ive found the email conformation all stating £100 so fingers crossed thats enough proof.
    thanks again guys will update when we know if the car is ok.
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