Chief guest at a tailgate party

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G

Guest

Yes me!
I stopped at a Give Way line 'cos there was a car coming - bloke behind
didn't.
Cue an insurance claim for a new hatch (estate), new bumper, hatch slam
panel, offside wing and lamp cluster. Oh and paint of course.
Bu**er, Bu**er, Bu**er. Spose thats my no-claims gone now.
Dave
 
Al said:
Ermm ... you are going to be claiming off his insurance then aren't you?
Or at least using someone like Helphire to help you claim off him? If
someone else is to blame (and you have his details), shouldn't really
affect you at all!

Al
Click to expand...
Oh yes! Claim logged, all in hand.
Dave
 
Dave said:
Yes me!
I stopped at a Give Way line 'cos there was a car coming - bloke behind
didn't.
Cue an insurance claim for a new hatch (estate), new bumper, hatch slam
panel, offside wing and lamp cluster. Oh and paint of course.
Bu**er, Bu**er, Bu**er. Spose thats my no-claims gone now.
Dave
Click to expand...

Ermm ... you are going to be claiming off his insurance then aren't you?
Or at least using someone like Helphire to help you claim off him? If
someone else is to blame (and you have his details), shouldn't really
affect you at all!

Al
 
Wont stop your insurance going up next time, I've been there done that :o(

gordon
 
Gordon said:
Wont stop your insurance going up next time, I've been there done that :o(

gordon
Click to expand...

Yep ! The insurance payout is in effect a loan (at high interest rate)
that you pay back in increased premiums over the next 5 or 6 years.
The repair estimate is in the region of £1500 parts + £1000 labour (5
days in the bodyshop and a session with the body jig because the boot
area is twisted to the offside).
AND they can't fit it in for 3 weeks!
Groan,
Dave
 
Dave Spam said:
Yep ! The insurance payout is in effect a loan (at high interest rate)
that you pay back in increased premiums over the next 5 or 6 years.
The repair estimate is in the region of £1500 parts + £1000 labour (5
days in the bodyshop and a session with the body jig because the boot
area is twisted to the offside).
AND they can't fit it in for 3 weeks!
Groan,
Dave
Click to expand...

Hi Dave - apologies in advance if you know all this, but...

....if this really is a "no fault" accident (can't be much else unless you
were reversing flat out), you should be OK. Had a similar thing a while
back, the loss recovery people (free service, via broker) recovered
everything - including relief car delivered to door, sundry phone, taxi,
post costs etc, plus some modest compensation for slight but temporary
whiplash pain). Being able to write "ALL costs recovered from 3rd party" on
subsequent insurance forms proved invaluable, and meant premiums did not
rise.

Suggest you talk to your broker NOW about the future position - and if
there's any hint of higher premiums, get it quantified and add it to the
claim. If you don't use a broker, suggest you start talking to one NOW,
anyway. IME, trying to deal with Ins. companies direct can be less than
fruitful.

Good luck
 
Martin said:
Hi Dave - apologies in advance if you know all this, but...

...if this really is a "no fault" accident (can't be much else unless you
were reversing flat out), you should be OK. Had a similar thing a while
back, the loss recovery people (free service, via broker) recovered
everything - including relief car delivered to door, sundry phone, taxi,
post costs etc, plus some modest compensation for slight but temporary
whiplash pain). Being able to write "ALL costs recovered from 3rd party" on
subsequent insurance forms proved invaluable, and meant premiums did not
rise.

Suggest you talk to your broker NOW about the future position - and if
there's any hint of higher premiums, get it quantified and add it to the
claim. If you don't use a broker, suggest you start talking to one NOW,
anyway. IME, trying to deal with Ins. companies direct can be less than
fruitful.

Good luck
Click to expand...
BTDTGTTS

Rear-ended by a minicab as I was turning left into a car park. Driver
admitted liability straight away, said "Sorry, mate, me foot slipped off
the brake".

Took 2 weeks to fix, twisted boot area. All costs paid for by his
insurance, except the higher fuel costs of running the loaner 318SE
instead of my Cav 2.0. There were no Vectras available, so I got the BMW
instead. Very nice to drive, but very cramped if you've got long legs.
 
Thanks for the pointers guys.
The ins co. have put me in touch with a solicitors.
I may very well have to get a hire car becasue it looks like I'll get
water in the boot of the Vectra next time it rains.
The interior is a light fawn colour, a bu**er to clean, so it might be
better to get a hire car for 2 weeks or so rather than ruin what I'm
told is an interior that's hard to get.
They are due to phone me shortly, I'll have a word.
The incident WAS one of those rare occurances were the other party was
100% to blame - wether he accepts it or not!

Dave
 
Dave Spam said:
Thanks for the pointers guys.
The ins co. have put me in touch with a solicitors.
Click to expand...

That's really good. You should find you have to do nothing. Solicitor will
add his bill to your total claim. If there's anything in your total claim
which is "negotiable", don't take first offer. (Solicitor should guide you
if you're holding out unreasonably).

Would be interested to hear when it's all wrapped up. In about 6 months, I
guess :-(
 
Martin said:
That's really good. You should find you have to do nothing. Solicitor will
add his bill to your total claim. If there's anything in your total claim
which is "negotiable", don't take first offer. (Solicitor should guide you
if you're holding out unreasonably).

Would be interested to hear when it's all wrapped up. In about 6 months, I
guess :-(
Click to expand...

I was hoping for more like 3 weeks . . . . . . . . . . but reality has
kicked in. Well in fact it kicked in about 2 nanosconds after the other
bloke "introduced" himself.
That was at the point when I switched off the engine and reached for the
disposable camera as I got out of the car.
Dave
 
That was at the point when I switched off the engine and reached for the
disposable camera as I got out of the car.
Click to expand...

Brilliant !! Wish I'd thought of that!
 
Martin said:
Brilliant !! Wish I'd thought of that!
Click to expand...
Can't claim that as an original idea, but it got a mate out of serious
insurance poo some years ago.
Dave
 
Dave Spam wrote:

One piece of good news, the other bloke has accepted full liability for
the incident.
Still wont get my car fixed until the first wek of June - - - mutter - -
mutter --- mutter.
Dave
 
Well when it happen to me I ended up paying extra on my Insurance
when renewal came around even though it wasn't my fault.
"have you had an accident in the last X years" Question

Gordon
 
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