The other driver drove off but I saw him do it & told the police who confirmed bus company, as a rule have fully comprehensive insurance so but Im concerned that if I make a claim it'll affect my no-claims bonus (6 years protected, but protection only covers for upto 2 claims in 2 years & its less than 2 years since I made claim) & will I have to pay the excess or will it all be re-claimed from the bus company & not affect my no claims bonus.
PLEASE HELP
2007-10-13 13:24:47 · 9 answers · asked by Lisa 3 in Cars & Transportation ➔ Insurance & Registration
If the bus company has been found to be at fault, and are willing to pay go thru them. If you file with your own insurance you'll lose the claims free discount plus if the damages are more than a grand, your rates will go up, even if they get the money back.
2007-10-13 16:38:06 · answer #1 · answered by D.L. 4 · 1⤊ 0⤋
Despite Jade Leprichaun's answer, make sure you tell your insurer about the accident.
Your policy is quoted on "Truth and Honesty". If you don't tell them and they find out, it will affect your future policies and premium and may even invalidate your current insurance.
Notify the insurer that it is "For information purposes only" if you don't intend to claim through them.
Your bonus at the moment is protected. You will loose the protected part of the policy so if there's a further incident and the insurers pay out, they will affect the amount of bonus you are entitled to. Your premium is likely to go up but this is more likely as a natural rise in premium prices.
In my experience, you'll probably find that the driver will deny that he was involved in an accident. Most buses are fitted with CCTV so if they do deny, ask them to provide you with a copy of the footage.
The excess is payable if your insurer repairs your vehicle. Unless they have an admission of liability. They may then waive the excess.
2007-10-14 04:39:23 · answer #2 · answered by Anonymous · 0⤊ 0⤋
This is a "no fault claim".
The accident was 100% the other drivers fault, so your no-claims bonus is preserved - even without no-claims protection.
You should receive the full amount for repairing your car - your excess does not apply in this case.
2007-10-13 13:50:26 · answer #3 · answered by Anonymous · 1⤊ 0⤋
You should get this fixed with no impact on your insurance, but remember it's a no CLAIM discount. If you get penalised you can sue for loss of discount, but the whole thing depends on whether the bus driver admits the incident or not and if you have an independent witness
2007-10-13 20:49:53 · answer #4 · answered by The original Peter G 7 · 1⤊ 0⤋
You claim from the bus companies insurance not your own.
2007-10-13 13:28:27 · answer #5 · answered by ¸.•*´`*♥Kates ♥ Game11 ¸.•*´`*♥ 5 · 1⤊ 0⤋
you have an uninsured motorist declare below your roommates coverage. There should not be any deductible on account that the different driving force is time-venerated. even nonetheless, this varies from state to state and additionally you're able to be able to desire to have your roommate locate out together with her adjuster. enable the coverage business enterprise cope with the maintenance and later going after the guy at fault. he gets his only dues. it rather is the priority with the severe value of carrying motor vehicle coverage at the instant, human beings utilising without coverage. All too frequently the undesirable drivers stepping into injuries are the losers without valid driving force's license, suspended license, no coverage, and no financial duty to pay for damages they reason. Be grateful your roommate did no longer get injured and that she has coverage to guard herself and her motor vehicle. regrettably, she could on no account have confidence all and sundry adequate while in touch in an twist of destiny and make contact with police, which isn't considered one of those undesirable difficulty in any case. From a senior legal duty claims rep
2016-12-14 17:00:09 · answer #6 · answered by ? 4 · 0⤊ 0⤋
Phone your insurance they will probably put right your car and chase the bus company for you, you should not loose out providing you were parked correctly....
2007-10-13 13:31:44 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Did you file a police report? It should not be against you at all. Your Ins. will pay for the damages to repair and then go after the other party for reimbursement.
2007-10-13 15:12:25 · answer #8 · answered by sandra k 5 · 0⤊ 0⤋
if its 100% ther fault then their insurance company picks yp the bill completely and u don't even tell ur insurance company.
If u make a claim thru ur insurance ur rates may go up
2007-10-13 13:30:39 · answer #9 · answered by Anonymous · 1⤊ 1⤋