Sam16v
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Registered: 10th May 04
Location: Caerphilly Drives:MGF
User status: Offline
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quote:
Originally posted by whitter45
quote:
Originally posted by hazey-corsa
Yes but if I can get a claim I can afford to buy another car and get to work meaning I still have a job!
Sort of fortunately I do not have claims to loose from insurance cause Im only 18 but I dont have a clue what I will do about insurance now, what Im sayin is hopefully a claim payout will help me get back on my feet as at the moment I am gutted, depressed and broke!
Very true but will have to declare you claimed for the next five years so good luck with insurance
If she is claiming off someone elses insurance it does not effect hers.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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yes it does
Go and get an online quote - it states you must list all claims regardless of fault and and on some it means you lose your no claims regardless of fault
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hazey-corsa
Member
Registered: 24th Jun 02
Location: Cheshire
User status: Offline
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SHE????????
Yes will be claiming off his insurance, unless he fooks about and denys responsibility, which should be hard giving the evidence against him and the fact I now have witnesses!
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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quote:
Originally posted by hazey-corsa
SHE????????
Yes will be claiming off his insurance, unless he fooks about and denys responsibility, which should be hard giving the evidence against him and the fact I now have witnesses!
still have to declare on ur own insurance
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Sam16v
Member
Registered: 10th May 04
Location: Caerphilly Drives:MGF
User status: Offline
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thought you were a girl sorry...for some reason i thought your name was hazle?! anyway....yeah, dont worry about insurance i'm positive it will not affect you, regardless of whether you will have to state if u have made a claim in future.
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Sam16v
Member
Registered: 10th May 04
Location: Caerphilly Drives:MGF
User status: Offline
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quote:
Originally posted by whitter45
quote:
Originally posted by hazey-corsa
SHE????????
Yes will be claiming off his insurance, unless he fooks about and denys responsibility, which should be hard giving the evidence against him and the fact I now have witnesses!
still have to declare on ur own insurance
Yeah ofcourse she will, not disputing that.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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so it will affect as a claim is an issue for insurance people
You are classed as a risk and also the cost of admin and dealing with solicitors etc is taken into account, Insurance will go up I can guarentee you that cos i know somebody who went through all this
[Edited on 27-01-2005 by whitter45]
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Sam16v
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Registered: 10th May 04
Location: Caerphilly Drives:MGF
User status: Offline
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Yeah i know someone who has too. Me.
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hazey-corsa
Member
Registered: 24th Jun 02
Location: Cheshire
User status: Offline
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Stop caling me "she" im a lad!!
Yes I kno I will have to declair on my insurace it sux as was totally not my fault!!
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Sam16v
Member
Registered: 10th May 04
Location: Caerphilly Drives:MGF
User status: Offline
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Look, its probably dependant on each individual so lets agree to disagree, but from my experience, & i know some family & friends that have to...not affected. Maybe some people are lucky? who knows. I just know from my experience.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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quote:
Originally posted by hazey-corsa
Stop caling me "she" im a lad!!
Yes I kno I will have to declair on my insurace it sux as was totally not my fault!!
don't get me wrong I feel sorry for you. Insurance is a pain in the arse - The only people who win are the insurers themselves
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leeshez
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Registered: 3rd May 01
Location: Great Harwood, Lancashire
User status: Offline
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That won,t buff out
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1600power
Member
Registered: 22nd Apr 04
Location: Shropshire Drives: 1.6 16v Sport
User status: Offline
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that will definetly be written off 
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hazey-corsa
Member
Registered: 24th Jun 02
Location: Cheshire
User status: Offline
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quote:
Originally posted by 1600power
that will definetly be written off
How can you be sure, not tryin to argue or anything just curious?
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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i would say cost of repairing is greater than what the car is worth so they will just write it off
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hazey-corsa
Member
Registered: 24th Jun 02
Location: Cheshire
User status: Offline
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Result, just bothered my arse to go and pick up the mail from downstairs. The other blokes insurance has sent me a letter sayin he has admitted resposibility and they will pay for repairs for my car or offer a cash settlement and if they are repairing it they will provide a replacement car despite my age has cheered me up a bit, cause now I can go work and keep my job!!
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ainsley_brader
Member
Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
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quote:
Originally posted by hazey-corsa
quote:
Originally posted by 1600power
that will definetly be written off
How can you be sure, not tryin to argue or anything just curious?
I dont think it looks to bad tbh. Apart from the wheel it looks like very light panel damage!
The wheel could just be a wishbone less than £50 from vaux.
Nobody can say from that photo if it will be a write off or not!
Ains
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nickyboy01
Member
Registered: 10th Sep 03
Location: Oxford-ish
User status: Offline
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What are you worrying about?
It was his fault so his insurance company pays for it, if they write the car off you can claim for a set amount of time for a hire car. Any injury claim (genuine only please) will also come from his insurers pocket, all you do is report it to your ins company, you dont lose anything.
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Cybermonkey
Member
Registered: 22nd Sep 02
Location: Sydney, Australia
User status: Offline
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quote:
Originally posted by whitter45
yes it does
Go and get an online quote - it states you must list all claims regardless of fault and and on some it means you lose your no claims regardless of fault
No thats wrong, if you were involved in an RTA, and you were not at fault, you will not be discriminated against by insurers.
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hazey-corsa
Member
Registered: 24th Jun 02
Location: Cheshire
User status: Offline
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Just been docs and been ADVISED by him to claim for the whiplash I do genuinely have, also been referred to a physio thrapist got a doctors note for work etc etc.
Just thought Id let u know that I am not a faker
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Cybermonkey
Member
Registered: 22nd Sep 02
Location: Sydney, Australia
User status: Offline
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hazey, sorry to hear about your accident, its a bugger, had a similar accident and happy to say that insurance paid out fully and car was put back on road fairly quickly. Hope the same works out for you. go for the whiplash claim, goddamn merc drivers could do with taking down a notch.
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BigSte
Member
Registered: 27th Aug 02
Location: Sheffield
User status: Offline
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Good news mate!!
You will have to tell your future insurance of any accidents but say to them that you were not at fault and claimed against the other party's insurance. Thats what I did and my insurance isn't affected at all.
You will probably get a report on your car in a few days advising whether they are writing it off or not. If they do reject there offer, say to them that it's worth more due to the pristine condition, mileage, service history, etc. He will then get back to you a few days later with a better offer.
Will prob take about 9 months for the injury claim to go through tho.
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