Other driver doesn't want to go through insurance for an accident?

54
Found 10th May 2015
I was hit from behind by another driver today. The other driver accepted the fault but asked if he could pay for the damage without going through the insurance. Normally I would insist on going through the insurance but I feel a bit sorry for him as he was over 80 and the accident was caused by traffic needing to stop due to some police outriders.

Any advice would be greatly appreciated?

Thanks

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54 Comments

Let him pay it

I had the same thing once. I obtained 3-4 different quotes for the work to be done and in the end, they went through the insurance because the work was so expensive.
Get some quotes from the best repairers possible and give the guy the chance to change his mind or pay up.

Also. Don't feel sorry for him. If a small child had stepped into the road, he'd have killed them so he obviously wasn't in full control of his vehicle.

Original Poster

Thanks, is there a time limit before which I need to inform the insurance company? There's nothing in it for me (and it's going to be a lot of hassle to get some quotes) I just feel bad for the old geezer as he is older than my dad.

Thanks, is there a time limit before which I need to inform the insurance company?

You should inform them, even if you don't intend to make a claim.

Inform them because next week the other person turns round and says they have never met you before and what is this scam you are trying to pull.

BUY A DASH CAM!

Did you get an incident number from the officer or have you reported it via phone?

you need to tell your insurance company regardless, but I would give him say 1 week Max from when you provide him 2 or 3 quotes to decide if he wants to pay.

I did it once and got messed around for ages while he looked for quote after quote, now I would set a time limit.

don't forget the cost of a hire car as well.

writing this reminds me how stressful it was, thinking about it I wouldn't do it again, I would now go through the insurance company regardless.

good luck and keep pestering him.

A similar thing happened to me not so long ago, the old guy was too slow to realise to stop.

I'd go through your insurance company, which is what I did when I thought about it. It is his fault, probably slow reaction times.

A couple of years ago, whilst driving in to a hospital car park, when waiting for the car in front of me to move on, the driver suddenly reversed at speed in to my car (he was driving a 4x4 at the time). The driver was a consultant at the hospital and he asked me if I would accept £50 cash towards the damage (my car didn't look that damaged at all from the front). However, I said I'd prefer to go through my insurance company. Just as well that I did, as when the car had been checked out, a lot of damage had been done underneath, and my insurance company decided to write off my car. If I was you, I would definitely go through your insurance company.

Go through insurance, you're not a charity and shouldn't put yourself at risk.
That's what insurance is for.
Rear end shunts often result in far more damage that you don't see.

Dash cam and rear view cam too.
Also make sure you inform your insurance regardless of how it gets repaired.
Old boy shouldn't be driving if he can't stop in time.

Original Poster

Yeah thanks for the answers folks I don't think it makes sense to be a good Samaritan.

Yeah totally agree with everyone, tie the 95 year old bloke up and stack him up in a home.
Inform the insurance company, the Police, Sting from the Police and Churchill the dog, after you have done that you will have a clear conscience bud and common sense will have prevailed.

Without a shadow of a doubt go through insurance

Tell your insurance and your premium will go up, whether it's your fault or not. I've learnt this the hard way. I'd just let him pay for the repairs - get a quote yourself and get the cash off him. If he starts playing silly beggars then ring the insurance then.

Why increase your premiums? Just get quotes, If under £500 ask him to pay cash within 7 days.

Insurance is to ensure you get paid in an event of an accident, if the person wishes to pay for the damage there is no legal responsibility for them to go through the insurance.

However if you go through the insurance the final bill would at least double and up to quadruple the initial cost.

I'd let him pay personally

kjcoolcat

Tell your insurance and your premium will go up, whether it's your fault … Tell your insurance and your premium will go up, whether it's your fault or not. I've learnt this the hard way. I'd just let him pay for the repairs - get a quote yourself and get the cash off him. If he starts playing silly beggars then ring the insurance then.


It wont

if he can pay for the work and chuck on an extra £150 quid for keeping quiet then sounds like a good deal. if it was a swish motor make it £200!

markvirgo

Why increase your premiums? Just get quotes, If under £500 ask him to pay … Why increase your premiums? Just get quotes, If under £500 ask him to pay cash within 7 days. Insurance is to ensure you get paid in an event of an accident, if the person wishes to pay for the damage there is no legal responsibility for them to go through the insurance.However if you go through the insurance the final bill would at least double and up to quadruple the initial cost.


Because if he doesn't tell his insurance and then the other party decides not to pay or go through his insurance instead, the OP may have problems with his insurance. And it won't affect the OPs premium.

stuarthanley

It wont



It will....

even if you report it as "notification only" you will still get an increase when it comes to renewal as you're "statistically higher to be involved in another accident"...

through the insurance, that is it!

kjcoolcat

It will.... even if you report it as "notification only" you will still … It will.... even if you report it as "notification only" you will still get an increase when it comes to renewal as you're "statistically higher to be involved in another accident"...


I've always done my insurance online. I've inputted the same details each time but always test it by requesting a quote with the none fault accident and then without it, just in case. The premium has always been the same. It shouldn't affect your premium and if it does, time to switch insurers.
Edited by: "SJHan" 10th May 2015

go through insurance and your premium will rise, mine only went up £5 because of a non fault accident , but some times it can go up no end

stuarthanley

I've always done my insurance online. I've inputted the same details … I've always done my insurance online. I've inputted the same details eachvtime but always test it but requesting a quote with the none fault accident and then without it, just in case. The premium has always been the same. It shouldn't affect your premium and if it does, time to switch insurers.



Trust me, it does! I've had a no fault "claim" even though no claim was made - they put my renewal up so I told them to do one. Then got a new policy elsewhere, quoted online, then they wrote a week into it to tell me that was going up too, for not disclosing a previous claim!

Complete bar stewards the lot of them. Took me nearly a year of complaints arguments to get the "claim" removed, but informing insurers as you are supposed to do, isn't always the right option.

Some insurers maybe don't take no fault claims into account, but not the ones I was using!
Edited by: "kjcoolcat" 10th May 2015

inform your insurance as notification only (for now)

and claim against HIS insurance.... you dont need to go through your own...

Graham1979

BUY A DASH CAM!



Did you miss the part where they said the got hit from BEHIND?

kingtreelo

Did you miss the part where they said the got hit from BEHIND?


A rear dashcam!!

kingtreelo

Did you miss the part where they said the got hit from BEHIND?



Which he would have done if he had swerved in front then slammed on his brakes and it was a crash for cash. See people like yourself are totally gormless when it comes to this increasing scam.

Woman I worked with was driving, car in front over shot give way on round about, saw an coming car then reversed into my colleague, she jumped of car and said "you drove into me". Based on your logic the woman who caused the accident would have been believed out right. It was only because of a local company having cctv covering the roundabout was she believed.

GET TWO DASH CAMERAS - ONE FOR THE FRONT AND ONE FOR THE BACK. I currently have two although I am looking to upgrade from 2 720p cameras to 1080p ones. Saves you stress and worry and a court case. ALL NEW CARS SHOULD COME WITH CAMERAS, no crash for cash scams and insurance premiums would nose dive.

But hey you know best.


Original Poster

There were two lanes heading in one direction, as I got to the traffic light there was one police outrider who had stopped a car in front on the inside lane. I continued to go slowly on the outside lane and the police bike did not signal for me to stop. But then I saw (ahead of me) another bike with a couple of cars approach with sirens from the other side, who then cut into our lanes in order to go around the traffic in their lanes hence I stopped but did not slam the brakes. I then felt the hit on the back of our car. The police took off and did not bother to stop as they were escorting someone very important who did not want their car stopped.
Edited by: "Gooner77" 10th May 2015

I would give him a few days to pay up , can't see why you would risk putting yours and his premiums up , unless you've got whiplash.
Give the guy a chance

Edited by: "snoopy18" 11th May 2015

Whilst you do not have to claim through your insurer, you MUST notify them off the collision. Failure to do so will breach your contract with the insurer (check the small print). In addition, if the other party then contacts their insurer, you could end up finding your insurer cancelling your insurance because of the breach. That will then flag you up with future insurers.

Your no claims discount is safe, providing you do not make a claim through your insurer. If the damage is to be covered by the other driver, they may decide to claim on their insurance, but as you are not making a claim, you no claims bonus will not be affected.

Be very clear with your insurer that you are not making a claim, and that under no circumstances are you accepting any level of blame for the incident (this is to prevent the insurance companies arranging for shared fault, or no fault behind your back).

Of they concluded shared or no fault, the repair cost would be converted by your own insurance and you would lose your no claims bonus, so be very clear with the facts of the incident when you notify them.

As long as you have notified your insurer, of the other party starts messing you around, you can still contact their insurer to make a claim.

Also, remember that this is your car, so it is up to you which garage does the repairs. Do not get pressure by the other driver, or their insurer, to have the work carried out by a garage you do not want working on your car. They have no right to pick the garage, and you have no obligation to use their "recommended" or "approved" garage.

I had an accident where the other driver was at fault and wanted not to go through insurance. I decided to go through the insurance and although initially they admitted liability they changed their story and after much agro my insurance company decided there wasn't enough evidence and decided to accept 50 /50 liability against my wishes.

I would give this elderly gentleman the benefit of the doubt and agree to sort it out privately.
Get all his details and if he doesn't pay up in the end then inform the insurance companies.

Graham1979

Which he would have done if he had swerved in front then slammed on his … Which he would have done if he had swerved in front then slammed on his brakes and it was a crash for cash. See people like yourself are totally gormless when it comes to this increasing scam.Woman I worked with was driving, car in front over shot give way on round about, saw an coming car then reversed into my colleague, she jumped of car and said "you drove into me". Based on your logic the woman who caused the accident would have been believed out right. It was only because of a local company having cctv covering the roundabout was she believed.GET TWO DASH CAMERAS - ONE FOR THE FRONT AND ONE FOR THE BACK. I currently have two although I am looking to upgrade from 2 720p cameras to 1080p ones. Saves you stress and worry and a court case. ALL NEW CARS SHOULD COME WITH CAMERAS, no crash for cash scams and insurance premiums would nose dive.But hey you know best.


Which cameras you got? Looking into getting a dash cam, but don't want to pay over the odds.

speedy2014

I would give this elderly gentleman the benefit of the doubt and agree to … I would give this elderly gentleman the benefit of the doubt and agree to sort it out privately.Get all his details and if he doesn't pay up in the end then inform the insurance companies.


Who will then query why it took so long to inform them of the road traffic collision

EN1GMA

Which cameras you got? Looking into getting a dash cam, but don't want … Which cameras you got? Looking into getting a dash cam, but don't want to pay over the odds.




I started a post in the ASK section about my next camera, I am going to go for a MOBIUS 1080P action cam with a new C LENS giving a wider view. About 55 quid. You can get cheap 20 quid efforts from eBay but the wont be 1080p or even 720p the images are interpolated so look blocky. There was one from ebuyer posted a few days ago. REMEMBER it will be EC approved and quality tested to check it meets the stated resolution etc. Cheap ones made by ting tong in the sweatshops are more likely to go up in flames.

arachnoid

Who will then query why it took so long to inform them of the road … Who will then query why it took so long to inform them of the road traffic collision



Exactly, they will refuse your claim

Sasretail

Yeah totally agree with everyone, tie the 95 year old bloke up and stack … Yeah totally agree with everyone, tie the 95 year old bloke up and stack him up in a home.Inform the insurance company, the Police, Sting from the Police and Churchill the dog, after you have done that you will have a clear conscience bud and common sense will have prevailed.



I feel disgusted that someone can actually think like this and then to go and say it... Even if it's just a joke

Its vile.

Don't forget you too will become old one day
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