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3CorsaMeal

Member

Registered: 11th Apr 02
User status: Offline

23rd Oct 11 at 12:53

Quick question am on my phone.

Lady crashed into me, she doesn't want to use insurance, if I did they would probably write the escort off

Wants me to get a quote and she will pay.

Should I even tell my insurance? I did take her details.

Not bad, probably needs bumper, fog, and paint. could do it myself tbh

taylorboosh

Member

Registered: 3rd Apr 07
User status: Offline

23rd Oct 11 at 12:54

Tell her 200 and leave the car as is

DannyB

Premium Member

Registered: 6th Feb 08
User status: Offline

23rd Oct 11 at 12:56

No, take the cash and get the bits yourself. Insurance will only end up going up for you too despite it being her fault.

ash-ov-boro

Member

Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline

23rd Oct 11 at 13:00

Ask her to cover cost of repair and sorted had a little bump in the coupe other week with an old fella totally his fault but wasn't worth going through the insurance for so I paid for my damage he paid for his damage sorted

N3CRO

Member

Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline

23rd Oct 11 at 13:03

quote:
Originally posted by DannyB
No, take the cash and get the bits yourself.

What he said.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

23rd Oct 11 at 13:03

my insurance has gone up hundreds despite being a non fault claim so in your case, being an old escort, i would just take the cash.

SXi_Tim

Member

Registered: 11th Mar 03
Location: South Yorkshire Drives: RS3, LET B
User status: Offline

23rd Oct 11 at 13:05

Get written quotes from a couple of bodyshops, give them to her, receive money off her and do the job for yourself about 20 quid.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

23rd Oct 11 at 13:12

What kind of phone do you have??

Ojc

Member

Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline

23rd Oct 11 at 13:18

Don't mention it to any insurance company and delete this thread ASAP they are crafty cunts insurance companies

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

23rd Oct 11 at 13:23

But how can they be crafty when a claim won't be logged on the system etc??

Can see your point from a modding scenario, but not from a non fault crash that he isn't claiming on.

John

Member

Registered: 30th Jun 03
User status: Offline

23rd Oct 11 at 13:24

Go to hospital then get a claim in for whiplash.

Member

Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline

23rd Oct 11 at 13:29

John - do you ever wonder why insurance prices go up?

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

23rd Oct 11 at 13:34

quote:
Originally posted by Corsa_Sport21
But how can they be crafty when a claim won't be logged on the system etc??

Can see your point from a modding scenario, but not from a non fault crash that he isn't claiming on.

if he phones insurance up and tells them he's been in an accident but isn't claiming, his insurance will still go up as he has to legally tell insurance companies when his renewal comes through.

if he keeps it quiet and doesn't tell anyone, he'll be fine.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

23rd Oct 11 at 13:35

i posted this in prem lounge earlier but it's relevant to this thread:

INSURANCE:

without 2 non fault claims: £1012.

with 2 non fault claims: £1556.

what a fucking absolute joke.

^^ that was a quote on a subaru impreza wrx uk300.

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

23rd Oct 11 at 13:36

Just take the cash. Easier for both of you. Her excess is probably £250 so makes no odds

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

23rd Oct 11 at 13:37

quote:
Originally posted by Ben G

quote:
Originally posted by Corsa_Sport21
But how can they be crafty when a claim won't be logged on the system etc??

Can see your point from a modding scenario, but not from a non fault crash that he isn't claiming on.

if he phones insurance up and tells them he's been in an accident but isn't claiming, his insurance will still go up as he has to legally tell insurance companies when his renewal comes through.

if he keeps it quiet and doesn't tell anyone, he'll be fine.

But why do they even need to know if he isn't claiming??

Member

Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline

23rd Oct 11 at 13:38

yup.... as above even claims (non fault) rape you. Its retarded.

EVEN when fully protected!!!

When the GTR was stolen we claimed - but stopped the claim - didnt receive any cash etc - and the car was returned by the police. We paid all storage charges etc.

We no have a claim with ZERO value that fucks up Fee's quotes

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

23rd Oct 11 at 13:39

quote:
Originally posted by Corsa_Sport21

quote:
Originally posted by Ben G

quote:
Originally posted by Corsa_Sport21
But how can they be crafty when a claim won't be logged on the system etc??

Can see your point from a modding scenario, but not from a non fault crash that he isn't claiming on.

if he phones insurance up and tells them he's been in an accident but isn't claiming, his insurance will still go up as he has to legally tell insurance companies when his renewal comes through.

if he keeps it quiet and doesn't tell anyone, he'll be fine.

But why do they even need to know if he isn't claiming??

this is what they usually ask:

Do you have any accidents, losses, thefts, incidents or claims in the last 3 years (regardless of fault)?

doesn't have to be a claim, just an accident.

John

Member

Registered: 30th Jun 03
User status: Offline

23rd Oct 11 at 13:41

quote:
Originally posted by AK
John - do you ever wonder why insurance prices go up?

Do you ever wonder if there may be some sarcasm in the post?

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

23rd Oct 11 at 13:55

I would go insurance route. If you take the cash then she rings her insurance and blames you, your fucked.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

23rd Oct 11 at 13:57

deny all knowledge. can't prove anything.

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Online

23rd Oct 11 at 13:59

She's not going to give him a load of cash and then call them though?

I would fix it on the cheap with her money, no insurance, no reason for those bastards to charge you more for nothing.

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

23rd Oct 11 at 14:05

I've seen and heard of weirder. It's your call but I would take legal route.

MarkM

Member

Registered: 11th Apr 01
Location: Liverpool
User status: Offline

23rd Oct 11 at 14:12

If he takes the insurance route Jambo there is nothing to stop her disputing liability and blaming him anyway.

[Edited on 23-10-2011 by MarkM]

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

23rd Oct 11 at 14:20

quote:
Originally posted by Ben G

quote:
Originally posted by Corsa_Sport21
But how can they be crafty when a claim won't be logged on the system etc??

Can see your point from a modding scenario, but not from a non fault crash that he isn't claiming on.

if he phones insurance up and tells them he's been in an accident but isn't claiming, his insurance will still go up as he has to legally tell insurance companies when his renewal comes through.

if he keeps it quiet and doesn't tell anyone, he'll be fine.

you dont have to declare this. if your insurer recovers in full from the other party, or dont pay out anything then you havent made a non fault claim. a non fault claim is one where you have been paid a sum or had your car repaired by your own insurer but it wasnt your fault, ie; hit and run or stolen vehicle.
however, in this scenario your renewal quote will be higher purely because they can get away with loading the premiums.

dont tell them, you can always inform them later on. its bullshit that the claims not valid if not reported immediately. ive dealt with claims that were reported 6 months later

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