Will my car insurance rise after a no fault accident?
Our Nissan Qashqai has been rear ended by another car while sitting at a set of traffic lights. The boot floor is damaged and crumpled, especially in the spare wheel area which pushed the wheel forward.
Its 2009 value was about £7000 at 48k miles. Any ideas how this is repaired and if so what effect it will have on its value? Also do we claim direct from the other driver's insurer or do we use our own? Are we entitled to a hire car while ours is being fixed?
The local garage uses an accident management company and a scratch is £1000 these days, which seems a rip off. That is before a hire car. Will this incident affect our renewal premiums? Can we claim this back from the other insurance company?
Its 2009 value was about £7000 at 48k miles. Any ideas how this is repaired and if so what effect it will have on its value? Also do we claim direct from the other driver's insurer or do we use our own? Are we entitled to a hire car while ours is being fixed?
The local garage uses an accident management company and a scratch is £1000 these days, which seems a rip off. That is before a hire car. Will this incident affect our renewal premiums? Can we claim this back from the other insurance company?
Asked on 6 November 2016 by sisi95
Answered by
Honest John
Yes, even a no fault claim can put up your next premium because it makes you a statistically increased risk. Go to your insurer and have your insurer sort it out. Do not rush around doing anything yourself because that just gets in the way. Yes, you are entitled to a car while your car is being repaired or while you are waiting for a write off settlement cheque. Do not sign anything that makes you liable for hire charges if the other party's insurer refuses to pay for the hire car. Do not get involved with an 'Accident Management' companies. Yes, you could sue the other party for any 'damages' you suffer, including increased insurance premiums.
Tags:
insurance claims
insurance
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
I damaged my 2018 Mercedes-Benz A-Class and unfortunately I had to initiate an insurance claim via my insurer. I was keen to get the car repaired at the local main dealer but my insurer said this would...
A friend was involved in an accident involving a motorcyclist. When driving slowly in the outside lane, a motorcyclist filtering on the nearside of the car hit the side of his car fell off into the road....
I have two cars on separate insurance policies. One car was written off, this was my fault. This is my first accident in 57 years of driving and the insurance companies are loading the new premium drastically...
Related models
.jpg?width=115&height=75&rmode=crop)
Slightly larger version of Qashqai with seven seats, impressive economy from most engines incuding 2.0-litre petrol, pleasant to drive.
Elsewhere on 
.jpg)
