Ok I am really confused about the best thing to do. Today I hit someone elses car with mine. He said to me he was taking it to the garage to see what they think it will cost and was unclear if he was just going to go threw with repairs. Now I gave him my insurance details, stupidly wasn't thinking at the time and didn't get his. Now I assume if he just goes ahead and gets his car fixed and I think he is conning me with the cost I then would not be libable to pay anything because he went and got it repaired without me approving anyting. Plus he didn't go threw my isnurance?
Also if he doesn't do this, and claims to my insurance but I don't claim for the damage on my car do I have to pay an excess for his vechile and do I lose my no claims bonus?
2007-06-27 22:20:44 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Wait and see.... he may come back with a quote for his car repairs either before or after the repairs have been done, and you may feel the amount is reasonable. It also may be low enough for you to pay him directly. Thus the insurance does not have to get involved and you will NOT lose your no-claims bonus. If you go this way then you MUST get a signed declaration from him that you have paid for the repairs and your responsibility in respect of the incident is FULLY discharged. That way if he then tries to claim again through your insurers you can send his statement to them and they will tell him to get lost. HOWEVER, if the repair cost is more than you can afford (put aside ideas of whether it is more than he actually paid or not - this is done solely to save your no-claims bonus so just focus on whether you can afford what he is asking) then whether or not he has had the work done, simply refer him to your insurers. A very similar thing happened to me and I just paid the guy off - though looking back he was so willing to accept a low amount from me (I offered him half what he said it would cost) that i suspect he may have been among one of the several thousand people driving around uninsured...
2007-06-27 23:14:13 · answer #1 · answered by eriverpipe 7 · 0⤊ 0⤋
There are several questions here so here are the answers.
1) You have a duty in law to give insurance details to anyone who may reasonably require them.
2) If he contacts you then you should ask him for his insurance details (as mentioned above he must give them to you). Your insurance company will want them. Do not discuss liability or offer to make a payment even if you are obviously in the wrong.
3) If he is mad enough to get his car fixed on his own then he will have to pay for the repairs himself and you don't incur any liability until he has done so. (If he has comprehensive cover he should have his own insurance company pay for the repairs and then claim the cost back from you - much easier on the wallet, in time and convenience)
5) He can go ahead and do anything to his car that he wants without your approval but you will not be liable for anything that improves the value vehicle or repairs damage previously incurred.
4) You may dispute the amount but that could involve a court case and additional expenses.
5) Unless you are insured through Eaymoney, your insurance policy will cover all the damage that you caused and you will not have to pay anything for his damage.
6) The driver cannot claim on your insurance! He is a 'third party' to the contract! What happens is that he claims against you and you then seek the protection of your insurance policy and the insurance company take over the claim on your behalf. This is 'liability to third parties' section of the policy.
7) If you seek protection of your insurance policy then, even if you do not claim for your own damage, you are making a claim on it (claiming protection) and as such your no claims bonus will be reduced (or lost depending on the number of years you have and if it is protected). Only if you pay for all the other driver's losses yourself would your bonus be preserved.
8) You have a duty to advise your insurance company of this incident as soon as possible (and with Quinn it has to be within 24 hours!), whether or not you intend to seek the protection of the policy.
9) And you thought motor insurance was easy?
2007-06-28 05:57:20 · answer #2 · answered by welcome news 6 · 0⤊ 0⤋
You hit him - You're liable. Tell your insurers at once or else they will not cover you. If he has gone ahead, as he is entitled to do you (or your insurers) have to pay the reasonable costs (repairs, car hire &c.) in full. He is not entitled however to get any improvements on your account, eg. he can't get new radiator if you only broke his back lights, he can't hire a Rolls and he can't get gold plated bits added on. If you get stuck with it don't pay a penny until you have a proper VAT receipt from the repairers &c. and look carefully at what he is claiming.
2007-06-27 23:09:32 · answer #3 · answered by The original Peter G 7 · 0⤊ 0⤋
If there is a claim, and it is deemed to be your fault, then you will lose the no claims bonus.
Did you get his registration number?
You should probably contact your insurance company for advice. Any amount of damage runs up a bill of hundreds of pounds. If you are worried about losing your no claims then you probably can't afford to pay without using your insurance.
2007-06-27 22:28:44 · answer #4 · answered by philipscown 6 · 0⤊ 0⤋
you can get a second opinion on the prise of fixing his car also you re insurance company will notifie you if he is claiming you.i THINK you will probably lose your no claims bonus
2007-06-27 22:27:36 · answer #5 · answered by joey d 2 · 0⤊ 0⤋
i think your insurance will tell him to fcuk off if he gets the work done without contacting them. if he comes to you for the money after getting the work done himself you have no duty to pay. that is what insurance is for.
2007-06-27 22:25:45 · answer #6 · answered by Anonymous · 0⤊ 1⤋
you only pay an excess if you are getting your car fixed, he will have to pay his own excess.
2007-06-28 10:14:42 · answer #7 · answered by Anonymous · 0⤊ 0⤋