I accidentally scratched my boss car 9 months ago. Now they want to have it repaired and have asked for my insurance details. Since then though I've changed my car and my insurer.
Will I still have to pay out?
2006-10-18 03:15:47 · 11 answers · asked by Dave 1 in Cars & Transportation ➔ Insurance & Registration
What a Dilemma it is too. Well what i would do is give your boss the insurance info that was covering you at that time, and let the insurance company and your Boss fight it out removing you from the equation, Most in likely the insurance company is not going to pay on a claim that is reported 9 months after the fact, that falls under "due Process" How ever he is your boss and from a moral stand point you are responsible so you should pay for the damage, talk to him about getting an estimate, ( damage may not even amount to your deductible) and you paying for it with several weekly deductions out of your check, Keeping everyone happy and your job safe and secure...Good Luck
2006-10-18 04:12:37 · answer #1 · answered by Robert Y 3 · 0⤊ 0⤋
I believe that it will be your old insurer, but I don't know if they will recoginise the claim after 9 months and that they also didn't get to assess the damage themselves. My option would be (if it doesn't cost that much) is to pay yourself. In Ireland (where I am) where the insurance costs are so high that a minor claim can push up your premium and people realise it is cheaper to pay out of their own pockets. That is what it is like here, I don't know what your area would be like.
2006-10-18 03:28:59 · answer #2 · answered by Andrew D 2 · 0⤊ 0⤋
once you cancel the insurance, tell the insurer the situation. they might ask you to sign a announcement style to declare that's no longer on your possession. the rationalization they ask for it decrease back is so as which you would be able to'tchronic uninsured, then produce it to the police in case you get stopped, however the police can grab the certificates from you in case you do attempt to apply it fraudulently, so in the adventure that your better half became making plans on persevering with tochronic, and instruments off the ANPR cameras, then produces that certificates, there's a sturdy chancethat certificates will finally end up decrease back with the insurer and the motor vehicle would be siezed for being uninsured.
2016-10-02 10:20:51 · answer #3 · answered by ? 4 · 0⤊ 0⤋
You will have no problem and YOU will not have to pay a dime IF you had liability insurance in place at the time of the accident, even if you have subsequently changed your policy to another company.
Just call the agent you had at the time or the claims office for the company you had at the time and they will handle it. As long as the date of the accident falls within the policy period of your "old" insurance, they will handle it.
2006-10-18 03:30:11 · answer #4 · answered by drobrules 3 · 0⤊ 1⤋
You would have to hope that you were covered for more than third party otherwise you are going to have to stump up the cash.
I would imagine you are looking at a cash payout here im afraid.
If it was a company car of your bosses then its a different matter
2006-10-18 03:24:19 · answer #5 · answered by Dark_Mushroom 4 · 0⤊ 0⤋
It needs to be reported to the company you were insured with on the date of the accident, even if you're not currently insured with them. Claims jerk is right, but most of the time if your failure to report the claim timely did not prejudice their ability to handle the claim they will provide coverage even though you violated your contract by not reporting it timely.
2006-10-18 11:18:33 · answer #6 · answered by Chris 5 · 0⤊ 0⤋
Did you report this to your company when it happened? You have an obligation (right there in black and white) to report claims in a timely fashion. Nine months is ridiculous and if you did NOT report it back then your old company can tell you to pi$$ up a rope. Give it a try...if they are a stand-up company they may handle it.
2006-10-18 09:13:14 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Why has it taken 9 months for them to decide to have it repaired? I think you have to notify your insureres within 180 days of any accident. Ring your old insurer and ask them. Best of luck with that one.
2006-10-18 03:26:12 · answer #8 · answered by Mogseye 3 · 0⤊ 0⤋
If you are in the UK then i would contact a solicitor or go to the Citizens advice because i personally think your boss has left it much too late to pursue a claim.All seems a bit dodgy to me
2006-10-18 06:11:46 · answer #9 · answered by Mick H 3 · 0⤊ 0⤋
Yes, you were at fault. Your old insurance should be the ones to cover it since they were the ones that were covering you at the time.
2006-10-18 03:23:42 · answer #10 · answered by Anonymous · 0⤊ 0⤋