andyd12345 10:18 Sun Sep 4
Car insurance claim
|
|
Was woken up to a Big Bang at 3am this morning. Looked out the window and saw a KA having collided with a parked car right outside my window. 2 girls were getting out the back and two young blokes out the front. All were clearly pissed up and one of them said "quick, run". By the time I'd got outside 3 of them had gone but the driver was caught in a headlock with one of my neighbours who caught him, pleading like a little bitch to be released. He claimed he wasn't the driver but a few different people saw him having got out the drivers seat.
Anyhow, police turn up and arrest him. Find £1000 in cash on him and he obviously fails the breath test. Turns out the car was stolen as well.
We look at the cars down the road and he'd managed to hit about 6 of them, causing varying degrees of damage, one of them being mine. Not massive damage, some lightish scratches on front passenger door and pretty big scuffs and scratches on the paintwork of the bumper, but would cost £300ish to repair I would have thought.
My question is what the deal is with insurance here. I've got a £250 excess and 12 years no claims (albeit protected). My insurance is due for renewal in 10 days, but they ask the question "have you been involved in an accident regardless of fault over the last 5 years". Anyone know how much of an impact this sort of thing would have on my premium? Am I best off sucking up the repair costs and not bothering with insurance? Is recovering my excess even an option if you get hit by a drunk driver in a stolen car? If I'm not going to get my £250 excess back then I guess there's no point in even telling the insurance company?
Any views welcome.
|
|
|
Replies - In Chronological Order ( Show Newest Messages First)
ted fenton
10:27 Sun Sep 4
Re: Car insurance claim
|
The system seems to be so unfair these days I think I would get it done as it's only a shade over your excess and then try to claim off the little shit that caused the damage.
|
Bungo
10:33 Sun Sep 4
Re: Car insurance claim
|
I don't know the answer to your question about potential impact on your premium if you claim, but if you do decide to sort it out yourself, my company now uses this outfit with excellent low-cost results.
https://www.chipsaway.co.uk/services/paintwork-scratches/
|
Stevethehammer
10:35 Sun Sep 4
Re: Car insurance claim
|
Car insurance is the biggest fucking rip off going.
Get hit by an uninsured driver, they make out like it's your fault, you have to stump up shit loads for the excess and even then they always try and wriggle out of it.
Premiums go up all the time due to people not having insurance apparently which costs insures but in actual fact costs you as they hike the prices up.
I would have tried to get hold of this little cunt and made him pay for the damage. Keep the insurance rip off merchants out of it.
|
andyd12345
10:38 Sun Sep 4
Re: Car insurance claim
|
Ironic really that he had £1,000 cash in his pockets whilst we had him cornered. If we'd known we would have swiped that and used it to cover the 6 lots of excesses for the cars he damaged.
|
ornchurch ammer
10:54 Sun Sep 4
Re: Car insurance claim
|
My missus was driving my car and she was hit up the rear causing some minor damage. Funnily enough she knew the women who hit her so there were no problems and we were going to sort it out privately before going through insurance. An obvious non fault settled claim.
Got renewal premium a few months later and there was an increase of a few hundred quid. When queried I was told that it was because I had made a claim. Complaining got it reduced but they will try it on.
|
andyd12345
11:01 Sun Sep 4
Re: Car insurance claim
|
Ornchurch- if I was your Mrs, when that renewal quote came through I would have felt late onset of whiplash and taken them for a couple of grand. The cheeky cunts.
|
Full Claret Jacket
11:23 Sun Sep 4
Re: Car insurance claim
|
My car was written off by woman turning into me at a cross roads. The accident was clearly her fault but she protested her innocence and that I had been driving too fast. To cut a long story short, CCTV at the junction validated my story, her insurance company accepted liability and I got paid out. All good I thought until it came to insuring my car again.
Insurance companies work on the premise that if you are involved in an accident - regardless of blame that you are statistically more likely to be involved in another and bumped up my premium significantly. It is a total con. 18 years no claims, no points yet I'm penalised for some blind cow driving into the side of me.
What I would say is to shop around for insurance if you do claim or find a way to. There are some companies who won't bump your premium for no fault claims but most of the major ones do. Don't think you can claim from the other party and not tell them either. It's all on a linked computer system these days and they have visibility of it all.
|
Mad Dog
11:42 Sun Sep 4
Re: Car insurance claim
|
Some cunt drove drove into my wife's car last year. Claimed it was her fault (even though she was driving straight and he pulled out of a side road).
Because it was contested it showed as a claim when I was renewing my car insurance the fucking premium went up by £150.
Guy realised he didn't have a leg to stand on and admitted fault a month later. And it's taken 9 more months to get some sort of confirmation that she wasn't office lay at fault so I can now finally contact my insurers get my premium reduced.
Insurance companies are a bunch of cunts
|
ray winstone
11:53 Sun Sep 4
Re: Car insurance claim
|
Wouldn't it be nice if we had a government who gave a fuck and regulated the cunts, trouble is, I would imagine that they're creaming off the top so just let it happen.
|
Mad Dog
12:27 Sun Sep 4
Re: Car insurance claim
|
Are labour proposing to do this then?
|
ray winstone
12:38 Sun Sep 4
Re: Car insurance claim
|
I don't fucking know what Labour are doing, they don't run the country the Tories do and will do for a long time so get used to be being ripped off to line the pockets of the billionaires.
|
IRONS87
1:30 Sun Sep 4
Re: Car insurance claim
|
Andy, it all depends on who you are insured with, and what level of cover you've got. A few companies offer an 'uninsured driver promise' that effectively will cover you for exactly the situation you are in. If you've not got that, I wouldn't bother telling them as your prices will go up extortionately.
If you've bought the legal protection then you can use that to claim damages etc, although probably not worth it for a couple hundred.
|
joe royal
1:34 Sun Sep 4
Re: Car insurance claim
|
Typical idiot , moan about something but have nothing to offer as an alternative.
Did you know communist rule has over 100 million deaths on its hands?
|
zico
1:35 Sun Sep 4
Re: Car insurance claim
|
Few years ago some woman rear ended me at traffic lights. No real damage on my car although she had a bit of a dent on her front bumper. Swapped details for when I had a proper look at my car later just in case but didn't bother with the insurance because I had no damage. She was tearful and apologetic but no damage was done to mine so not a problem. Days later I received a letter from my insurance company saying she was claiming that I had reversed into her. I had her phone number and the Insurance company said I could phone her so I did. She waffled on saying her boyfriend forced her to claim it was my fault. I politely asked her to retract her claim. Few days later they had changed their story now saying I had "rolled" back into her. I went up town and drove around the one way system several times to park in the same spot at lights with no one behind me. Took the hand brake off and my car didn't move because the road was indeed flat!! Took a few photos and lo and behold they retracted their claim. No action taken against them and then my insurance premium went up at renewal. Just changed insurance companies but the whole system stinks.
|
hammer205
2:02 Sun Sep 4
Re: Car insurance claim
|
Best get a quote to repair damage and whether it's worth claiming or not
|
hammer205
2:02 Sun Sep 4
Re: Car insurance claim
|
Which area did this happen
|
Spandex Sidney
2:12 Sun Sep 4
Re: Car insurance claim
|
Pay for the repair
Breath deeply
Let it go, anger is bad for your health
|
Reggie K
2:33 Sun Sep 4
Re: Car insurance claim
|
Communism causes car accident deaths? Wow.
|
Hermit Road
4:40 Sun Sep 4
Re: Car insurance claim
|
Apparently communism causes people not to read posts properly.
|
| 
