AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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Cheers for the advice guys, i did panic reading my insurance would go up, not good as im planning on getting a new car before march! Doesn't look like it will go up though as it wasn't my fault and they have said the other person was 100% at fault!
Jules cheers for that info, i'll make sure i speak to my insurers. My car is actually a 5dr CDX so i'm hoping it will come as standard but i'll have to double check with them when i next speak to them. Hopefully thats all i'll need to change which should be nice an easy. I have no modifications on the car anyway (except the old clear repeaters) so alls ok on that front.
Was in the queue for lunch bout an hour ago and someone was telling another guy he was tailed back all along the a27 for about 20min this morning, and the other guy said he heard it on the radio so i just made sure i stayed quiet! 
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Colin
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Registered: 4th Apr 02
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I got hit from behind & my insurance didnt go up.
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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I got hit by one guy who forgot which side of the roundabout he was meant to give way to and ploughed into the side of me, he admitted fault, went through insuance, never went up for me, cant see yours going up Ad
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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i did an online quote with an accident (not my fault) and without it
went up 25%
Ive not had a claim, was just interested to see what would happen
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Colin
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Registered: 4th Apr 02
User status: Offline
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Do you have to declare that though? On the online forms it says claims in past 3yrs, now if its been settled by the other party without your ins co having to do a thing then its not really a claim is it 
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John
Member
Registered: 30th Jun 03
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If you claimed through your insurance, even if fully recovered, it is definitely a claim yes, whether you would get caught or not is a different matter.
Through their insurance you wouldn't have to declare no.
[Edited on 24-01-2008 by John]
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barter
Member
Registered: 27th Oct 07
Location: essex
User status: Offline
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no john sorry from my experience your wrong as claims are from your insurence.adz wont being using his insurence.matey who hit him insurence will pay for the damage etc so adz still wouldnt of claimed.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Ask the insurance, that would be the best way, I have and was given that answer.
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carribicbaby
Banned
Registered: 12th Jun 07
Location: scotland
User status: Offline
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sorry to hear that mate
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barter
Member
Registered: 27th Oct 07
Location: essex
User status: Offline
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john are you sure you wanst at fault with your crash because all your answers seem to be the oposite.and the only thing i can work out is you feal that it wasnt?
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John
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Registered: 30th Jun 03
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None of the crashes i'm talking about were me, only crash i've had i totalled it at high speed with no other cars involved, i've dealt with a few though and if you call your insurance to claim, even when your insurance recover all the money you have still claimed although non fault, why are the options there on insurance forms if what you are saying is correct
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barter
Member
Registered: 27th Oct 07
Location: essex
User status: Offline
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my point is everyone replying on this topic has gone against you thought opinons etc and most of it is rubbish.
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ainsley_brader
Member
Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
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Usually 1 no fault claim won't affect your insurance, but if you have 2 then you can expect a small rise. The reason being if 2 people have driven into the back of you then although it may not be your fault you are still clearly a higher risk.
For example (not the case here I add) it could be that you like to brake hard in front of people for a claim.
So no faults can affect insurance.
As for the police getting involved where whiplash is involved I have never read something so funny!
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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Had a phonecall off my insurance today asking for more details such as "did i swerve into his lane" etc so what do you reckon, they've got in contact with him and hes tried to say i swerved infront of him?
He hasn't got a leg to stand on imo, she asked if i hit anyone in front of me and i replied "nope i was at a safe distance from the car infront of me before the crash and still at a good distance after i was pushed forward" and she asked if it was at traffic lights etc (it wasn't)
I had a quick glance this morning behind the bumper by just pulling it out a bit, it looks like a bit of rust was gathering just below the lights and boot and where it was shunted it may of made it break, 
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Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
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he's probably chancing his arm but as you said he doesnt have a leg to stand on
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Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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just tell them you were stationary at the time (which you were), cars had stopped in front of you so you stopped quickly and he went into the back of you as he didnt brake in time, job done
[Edited on 25-01-2008 by Tom J]
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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quote:
Originally posted by John
I'm telling you from experience a couple of weeks ago that even in a minor accident the one going into the back gets done for careless driving, especially annoying when it's obvious the arse infront is only trying to make a couple of k, causes a lot of hassle for the person going into the back whether it doesn't cost them money directly or not.
funny that, i went into the back of someone, woman needed an ambulance as she was not long out of an operation and was in alot of pain due to the seatbelt being where the cuts were, so im sure she claimed for that and whiplash and the police who were on the scene didnt even mention anything about careless driving
E36 328
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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*UPDATE*
Got my courtesy car today, my cars being picked up at lunch time to go to Havant to be looked at.
My courtesy car is a Chevrolet Kalos, apparently its a 1.4 but it feels slow as shit but has nice gadgets, only done 800 miles aswell. Should have it for about a week or so.
I cleaned out my car at the weekend and cleaned it, checked spare wheel and saw the boot floor was creased and the spare wheel well was slightly disfgured, so i'm hoping it will be a write off.
I will need a new CDX bumper and valance, painted, new boot lid and bootfloor by the looks of it, so should be a write off. All depends how it goes on the jig though I suppose.
[Edited on 21-02-2008 by AdZ9]
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Ricky352
Member
Registered: 6th Apr 07
Location: Lisburn, N.I.
User status: Offline
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Nice courstasy car  
I remember someone hit the back my corsa, remember hearing the tyres sceeching and waiting for them to hit - just as you described it. Not nice!
I still get a bit nervous if people are braking hard behind me.
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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They wanted to give me a Ford Ka but i refuse to drive a piece of shit like that
I was nervous for a week after, but now i'm back to normal (well as normal as can be)
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WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
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i had a crash a few weeks ago at a junction and being 3rd party have had to fix my car myself.
im not looking forward to getting back on the road, im on a pass plus course now as well...
im gunna give up drivin whilst i go to uni i think, i when i come back to it the first thing im doing is buying a fully comp policy with fuck all excess!
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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UPDATE
Just spoke to Direct Line, cars been written off, beyond economical repair or somethin along those lines. I'm happy its written off as I need a new car and wanted rid of the one i had.
Shit thing is they valued it at £954 and as I can't prove it was serviced in 12months its -£100 so only 854 i'm getting. Not to bothered as i have £650 left on my loan so I can pay that off and get another one for about 5-6k.
Now I need to narrow down what car I want/can get with about 5-6k and make sure its a car I want. I do about 10k a year mileage so i'd be looking at adding 30k to the mileage of the car over the 3 yrs!
Think i want something VAG or something fast(ish) but comfortable to, quite newish so i'm guessing about 2000 onwards aswell. So far i've been thinking of
Astra MK4 SRi/GSi (doubt i'd get a GSi in price range)
Clio 172
Golf MK4 GTI (not to sure as they seem a bit boring)
SEAT Ibiza Cupra/Cupra R (again not sure if in price range)
What else do people reckon? I'm 22 with 3yrs NCB (thought i had 4 but apparently now its 3!) Insurance shouldn't be so much of a problem. Quite alot of things lower it as my area is a low crime rate, work is parked in a secured private carpark etc
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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Oh add Audi A3 to that list to, I like them but unsure of how much i'll get for my price range.
Just seen a few of the old Focus ST 170s 2002 models in my range to
*edit* and just seen the Astra 2.0 Turbo coupes, quite like them
[Edited on 26-02-2008 by AdZ9]
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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After looking through more pics of the irmscher astra coupe i'm swaying towards the coupes. I've always liked them, think it would have to be the 2.0 turbo version though, not to sure what the 2.2s are like?
http://www.pistonheads.com/sales/379467.htm
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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quote:
Originally posted by Colin
Do you have to declare that though? On the online forms it says claims in past 3yrs, now if its been settled by the other party without your ins co having to do a thing then its not really a claim is it
Yes most insurance companies now ask if ypu have had any cliams over the past 3 years regardless of fault
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