We were unfortunate enough to be run into the back of tonight by a young lad on a scooter. Fortunately he was basically ok, and insured properly. As far as I can see we now have two options regarding getting the damage repaired - getting a dent out of the tailgate and probably a respray of that and the rear bumper. Either sort it all out through the insurance, or an agreement to sort it out privately.
Any thoughts from the backroom on which is the best course of action. Will be getting a quote from dealer tomorrow hopefully regarding the cost, but can't see it being under £500 etc.
Cheers,
Steve
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The problem is, that you must still inform the insurance company, if you don't, and they find out later, they'll get you back for it. The scooter rider has 2 years to make up a new story and claim against you, even for bogus injuries. he may use one of those ambulance chaser schemes.
Do you have legal cover with your insurance? If so, you could use that to pursue your losses from the third party or their insurers. This can take about 6 months before you get th money though, but at leat they or you dont have to pay the excess and higher premiums/loss of no claims etc..
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I'm waiting to get some damage repaired form an accident where the other driver was at fault.
His insurance company have basically organised everything to do with the repair, including a hire car delivered to and collected from their own repairers (I had the option to use someone else if I preferred). I reported the incident to my own insurance company (for info. only) and because I have legal protection I automatically got a letter from a legal firm pointing out that I can claim for uninsured losses (expenses, etc.) through them. As a result of the other insurance company providing a hire car, I don't think I'll have any uninsured losses.
I gave the other driver the option of doing it privately, but his NCB is protected so it wan't wothwhile.
I guess your outcome depends on the attitude of the scooter owner and his insurance company, but if you decide to do it privately beware of being pressured into going for a cheap quote.
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Claim on your insurance and let them sort it out ~ after all it's what you pay them for. It's up to them whether they can obtain recompense from the other driver, or from the other driver's insurance company.
If you try and get the offending motorist to pay you privately, there's a good chance that they will change their mind when they find out what it's going to cost them.
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L'escargot by name, but not by nature.
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If you claim from your own insurance doen't that mean you could lose your no-claims, even temporarily, if the other insurance company refuses to accept responsibility? Not exactly "up to them whether they can obtain recompense"?
Find out first if the other driver/company accepts liability, and let them handle it if they will. Then there's no chance your own company will be out of pocket and take it out on you.
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If you claim from your own insurance doen't that mean you could lose your no-claims, even temporarily, if the other insurance company refuses to accept responsibility? Not exactly "up to them whether they can obtain recompense"?
Perhaps my opinion is biased by the fact that I have a protected NCD with no penalty regardless of how many claims I make.
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L'escargot by name, but not by nature.
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Perhaps my opinion is biased by the fact that I have a protected NCD with no penalty regardless of how many claims I make. --
But I bet your premium would go up if you claim, but of course, they would maintain your NCD.
For this accident, I would put it through the insurance. If you are hit up the rear, 99% of the time it is the other person's fault.
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>> -- But I bet your premium would go up if you claim, but of course, they would maintain your NCD.
Nope.
I'm insured with CIS, and their system for determining premiums is simplicity itself. No hidden loadings whatsoever. Everyone is assessed by the same rules. Every factor that is taken into account is given a number of points, and the premium is then determined by the total number of points accumulated. Don't know whether it still applies, but at one time, you could obtain their assessment form and calculate the premium yourself.
CIS give good cover, charge reasonable premiums, and are very easy to deal with. I've been with them for 38 years and I can heartily recommend them.
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L'escargot by name, but not by nature.
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Thanks for the replies guys.
I've also got a fully protected NCB so am tempted just to get the insurance co sort it out themselves. The lad admitted liability at the scene and as he went into the back of us whilst stationery I think it's (basically) clear cut.
Steve
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In this situation go through your insurance company, you shouldn't have a problem with the other insurance co as everyone is supposed to inform their insurance co of any incident which may give rise to a claim against their policy by a third party even if they don't think it's justified. If you don't, I believe you technically invalidate your own insurance and leave yourself liable to being sued by your own insurance co for any amount they are forced to pay out to a third party. This is another good reason to carry a disposable camera as if you had photos of the scooter rider and his scooter planted in the back of your car there can't be much argument!
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Had a dispo in the car, unfortunately it was at night and not a flash version ....
There's always a lesson to be learnt !
Steve
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