Hi
My car was hit in the car park today at work by an employee. It has dinted the wing, alloy and passenger door. The lady obviously came into the space a bit tight and side swiped my car. She admitted it and came and found me.
BTW the car is an 52 reg Audi A4. I took it into local Audi dealer tonight who said they would take care of everything and give me an A4 in its place whilst mine is being fixed.
Do I need to call my insurance company? or her insurance? or just ring Audi tomorrow and let them sort it. She is going to call her insurance company tonight as she isnt interested in getting it fixed without them involved (Audi estimate over 1.5K) so probably just as well.
I have 5 years non protected no claims so dont want to loose them either, however have an email from her admitting liability and also she contacted the office reception to own up as well.
Any help really appreciated
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this may sound dumb..................
i thought somewhere in the small print, that you are not allowed under the terms of the insurance to admit your guilt/fault
that is for the insurance companies to sort out...and it can invalidate the insurance.!!!
altho it is obviously her fault..no dispute
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sometimes a little bit too much opinion....but its only because i care !!!
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Wether or not the insurance like it, she has been honest and admitted her mistake. Not even an insurance company can fail to accept that hitting a stationary vehicle is the fault of the moving vehicle driver. Sound like you are home and dry. One caution, do not let the garage start work until her insurance say so. they will probably want to use their own repairer. Follow proper procedure and you will be fine. Good luck. Concrete.
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If she admitted liability, it could legally only affect insurance for her losses, not her third party part of the insurance.
Even though I say it could affect hers, it is most unlikely to, especially in a small case like this with no injuries.
Be wary of her insurer contacting you and wanting to take your car away and give you a courtesy car, while trying to make out they are saving you a load of hassle, these do notoriously bad jobs with little come-back.
Check you insurance documents, sometime the legal cover is seperate and you can ring them without involving the main insurance, and use them to pursue the third party, otherwise just exchange insurance details, and contact hers directly, she is unlikely to contact yours.
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I have 5 years non protected no claims so dont want to loose them
Since you have a protected NCD it would probably be best to claim on your own insurance and let them sort it. That way you are in control of the situation. The whole purpose of paying to have a protected NCD is, well, to protect it. My insurance allows me to make 3 claims in 3 years before the NCD is reduced. Check the terms of your policy.
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L\'escargot.
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>> I have 5 years non protected no claims so dont want >> to loose them Since you have a protected NCD
Oops! Didn't read your post correctly. Forget what I said. However, once this has been sorted get your NCD protected as soon as possible. It's well worth paying the small additional premium.
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L\'escargot.
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SWMBO was run into from rear at a pedestrian crossing the other week..... guy admitted he was at fault and phoned his insurers the next day telling them so. We were stressed that this would turn into the usual insurance nightmare but his insurance company started the process the very next day. The contacts/inspection/repair/loan car have all been sorted as if we were the customer ourselves.
Having said that for the sake of everyone's future premiums I was horrified the repairer is to spend 3x more than essential to get the car back as it was.
David
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I was amazed at the waste of money caused by a 3rd parties insurance company, I claimed recently on a 3rd party and although the comapny were sorting things out they were taking their own sweet time, all the while paying for me to have a fat golf as a hire car, it was costing them £55 a day.... I had it for 5 months while my car was being repaired!
They could have had my car repaired and back on the road in about 5 weeks had they got their fingers out.
Anyway, in a case like this I wouldn't trouble my insurers beyond telling them it's happened.
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Contacted my insurance company this morning and they are now dealing with the claim. I have passed the details of the person that hit my car and they are with the same insurance company as me so looks like it will be fairly swift. Car being collected next wednesday to be repaired.
My only gripe is the ins company said they would replace like for like as a hire car (or similar) but I am getting a Kia Picanto. Not happy as its not my fault so shouldnt get a band A car. Cant do 100 miles a day in that!!! Hopefully will get something a bit better as its a claim against someone elses policy!!
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Hi,
Yes I think you should have a like for like car (with in reason) as you are claiming of the other party. Have you got legal cover. Hopefully if so they can sort out a better hire car for you. Any idea how long your car will be of the road?
Cheers
Jlo
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Yes, it does seem unfair if they said they WOULD give like for like hire replacement, and then they DON'T. Insurance companies seem very upset when people use these "claim plus" services (which, of course, make a healthy living out of them) but if they don't meet commitments made, they shouldn't be surprised! Did they tell you in writing they would give you like for like replacement hire car? If so, they're in breach of a contractural obligation. In my case of a short commute a Kia Piccanto should suffice, but I agree with you, I wouldn't like to have to do 100 miles a day in one for very long...
Tim{P}
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