This morning after waking up late for work I managed to crash into the back of a van on a roundabout that was stationary due to traffic - didnt look before pulling out.
The damage is as follows
Me - front drivers light and wing damage
Him - crushed bumper and small dint in back door.
The van is a work van and wondered what my options are as dont want to loose no claims if can help it.
Thanks in advance
ps - it was my fault as didnt look
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Speak with the driver of the van, offer to pay for repair for his vehicle? Fix your car using parts from the scrap yards.
I imagine this is the only way to avoid losing the no claims.
Not possible if the other driver was injured.
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Only way don't be surprised if the cost of repair to his van is more than you think from a quick look.
In terms of raised premiums etc up to £1000 might still be worth it.
Don't forget you are still supposed to report it to your insurance company even if you don't claim and you should declare it when you apply for insurance
(You'll be the only one mind)
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forgot to include the question
- is there any point me fixing my own to keep the claim down or is it just the fact that I have made a claim that matters?
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If you do claim - you may as well claim for your repair as well, I think its to do woth the fact that you have claimed. I don't think, you will be better off if the van driver claims, and you do not (for your repair).
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If it was your fault, I'd let the insurance handle it, otherwise it could get messy.
How many years no claims do you have? You don't lose it all if you have one accident, only a proportion.
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Are you sure that the other party will make a claim? His van is a work vehicle and it needs to be on the road to earn money. If the damage is minor, the owner might decide not to bother with a repair, as the cost of having it off the road might be too high to bear. .
Many years ago I went down a steep hill 100m from my house, and because of ice on the road, I could not stop even though I was going slowly. I went into the side of a reps car. I gave him my details, reported it, but made no claim. 1 year later he had not claimed, so I rang up the insurer who agreed to remove the incident report from their records, and hence it had no impact on my NCB.
Also, you can repair your lights yourself quite cheaply. And as for the wing, maybe one of the dent removal companies could fix it up for a small sum?
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In deciding whether to claim for repairs you should not only consider loss of NCB but also your excess payment which, if you are young, could easily be in the region of £400. My daughter was involved in a similar accident to yours and it was far cheaper to pay the repair costs ourselves than claim, mainly because of the £400 excess.
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You should be reporting the crash to your insurers whether or not you want to make a claim. Otherwise they will - I would think inevitably - void your insurance if they find out.
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Make the van driver a cash offer and fix your car with bits from the scrappy
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In a narrow Devon lane someone driving a minibus forced his way past, scraping my car. Quote from local bodyshop ran to about £1000, so I turned up where he worked the next day. Turns out it was a works minibus, he wasn't supposed to be driving it, and as the boss was a friend of my mum we decided "the less said the better", and he rang the bodyshop and told them to send him the bill!
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What car do you have and how old is it?
Was it a fairly new van that you hit and did the driver own it?
If your insurance and excess is high, then personally I would go for the cash offer to the van driver.
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>>Opinions required about my first crash
1 for style and 2 for technical merit, compared to this guy's lucky escape!
www.mustangworld.com/forums/showthread.php?t=457943
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I'd be careful in case he decides that he wants to put in a whiplash claim, probably a good idea to inform your insurers even if you don't make a claim.
Blue
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Re: first crash
Sounds like you intend to have a few. :-(
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If it's a financially viable approach let your insurance company sort it.
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L\'escargot.
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If it's a financially viable approach let your insurance company sort it.
Probably reads better with a comma after "approach" .............. If it's a financially viable approach, let your insurance company sort it.
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L\'escargot.
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I had a situation a few years back, I was second in a queue at some lights, an ambulance came up behind and squeezed through and across the lights, as he crossed the lights they turned green, the van in front of me followed the ambulance across the lights, I followed the van, the van slammed on his brakes, I bumped the van, the driver apologised "sorry mate, I thought I was following the ambulance through a red light". He then admitted being done for jumping the same lights previously which he said had probably made him over react.
A minor bump, my number plate was not even cracked, clearly my fault for hitting the rear of the van though the van driver was clearly not paying due care and attention, imagine my surprise when I got a solicitors letter relating to a whiplash injury!
Might be best to leave it to your insurer and put it down to experience.
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