Daston Posted January 16, 2006 Share Posted January 16, 2006 Hi guys My car got hit in a carpark between xmas and the new year, the guys car was still there so waited for him to return and he agreed to pay for the damages privatly and not go through his insurance (was late 60's). I got photos of the damage and also of his car plus a shot showing how he was parked well over the white lines. I got an estimate of £790 and sent this off to him, but now I cant get hold of him. Anyone know where I stand legaly with this?? Cheers David Quote Link to comment Share on other sites More sharing options...
Lewis Posted January 16, 2006 Share Posted January 16, 2006 contact his insurance company, or tell yours and let them worry about it. He had his chance Quote Link to comment Share on other sites More sharing options...
TLicense Posted January 16, 2006 Share Posted January 16, 2006 Go around to his house. You did get his address and all didn't you? Don't let him off the hook. I ended up £600 out of pocket thanks to something very similar. Quote Link to comment Share on other sites More sharing options...
Daston Posted January 16, 2006 Author Share Posted January 16, 2006 I got his full address, phone number and car Reg number. If I contact my Insurance does it count as a claim as I am only 21 so insurance will become unaffordable Quote Link to comment Share on other sites More sharing options...
JohnA Posted January 16, 2006 Share Posted January 16, 2006 If you contact your insurance to make a claim, even if they don't pay out, you still have to answer 'Yes' every time you're asked if you've made a claim. At your age, this could add up to a pretty penny in the next 5 years in extra premiums. So think hard. Quote Link to comment Share on other sites More sharing options...
Daston Posted January 16, 2006 Author Share Posted January 16, 2006 crap thats harsh what happens if it goes through his insurance? Quote Link to comment Share on other sites More sharing options...
JohnA Posted January 16, 2006 Share Posted January 16, 2006 If it is proven to be 100% his fault, and they agree to pay (sometimes they refuse to pay if the incident didn't happen on public roads) you will STILL have to say 'yes' to the answer 'have you made any claims in the past 5 years' NCBs etc are conveniently bypassed. Can't win, canya? Quote Link to comment Share on other sites More sharing options...
Pig Posted January 16, 2006 Share Posted January 16, 2006 I used to have a named driver on my policy who had been chrased into a few times but didnt tell the insurance company. Could they void and would they only be able to void if the named driver had the accident? Sorry for the hijack! Quote Link to comment Share on other sites More sharing options...
michael Posted January 16, 2006 Share Posted January 16, 2006 http://www.helphire.co.uk - let them worry about it and your insurance company don't need to get involved. Quote Link to comment Share on other sites More sharing options...
Mike Posted January 16, 2006 Share Posted January 16, 2006 If you contact your insurance to make a claim, even if they don't pay out, you still have to answer 'Yes' every time you're asked if you've made a claim. At your age, this could add up to a pretty penny in the next 5 years in extra premiums. So think hard. Yes, but if it's a 'proper' insurance company they should also ask 'was the accident your fault?'... this would make it a non-fault claim, and therefore not harm your premium... it's not costing them a penny so why should they care..? your still the careful driver they first insured... Quote Link to comment Share on other sites More sharing options...
Guest Aaron Posted January 16, 2006 Share Posted January 16, 2006 Unfortunately because your off public road etc he dont by law have to pay for any damages for a crash, not in the DVLA area, I personally would go the road of ttelling the police, and claim that he vandalised your car and is now refusing to pay for it. Quote Link to comment Share on other sites More sharing options...
Pete Posted January 16, 2006 Share Posted January 16, 2006 Contact the police. In my experience they've acted as an intermediary "this person wants to contact you, do you want to call them here are the details" type thing. This happened to me after a small knock. Didnt' you get address and signed statement? Quote Link to comment Share on other sites More sharing options...
JohnA Posted January 16, 2006 Share Posted January 16, 2006 Yes, but if it's a 'proper' insurance company they should also ask 'was the accident your fault?'... Oh yeah, it doesn't weigh as much as a claim where they had to pay out. Of course not. this would make it a non-fault claim, and therefore not harm your premium... it's not costing them a penny so why should they care..? They DO care because someone with a dozen 'no fault' claims is not the same as someone with none. The first one is perceived as more risky, so most risk-premium algorithms account for that. Not all underwriters use the same calculations, but a few that I know of do have strong similarities. Quote Link to comment Share on other sites More sharing options...
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