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road traffic accident a few questions?

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con1981
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2009/07/25 08:18:00 (permalink)
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road traffic accident a few questions?



Hope you can give me a little info. Unfortunately yesterday I was involved in a road traffic accident. Now the damage to my car looks like it is only cosmetic (wing needs pushing back and a new bumper). Neither myself or the other driver have admitted fault (despite the other driver choosing to drive down the centre of a two way road) and have agreed to go through the insurance companies.

My insurance company have asked me to pay my excess upfront once the repairs are completed to my vehicle and they will then try to recoup the costs from the other insurer is this common practice?

the other concern is that I've had a look at the value of my car in parkers/ what car and the maximum they think it's worth is just short of 2 and half grand. Am I right in thinking that if the costs of repair are nearly half the value of the car it will be written off?

Now I really don't wan this to happen as although the vehicle has high mileage,it has all the spec I want, it's been serviced regularly and is worth more than £2500 to me.

My last question, I've got protected no claims so I won't loose that, however I take it I will have to declare that I've had an accident when i renew my insurance, does this mean my insurance will go up?

thanks for your help
#1

9 Replies Related Threads

    Biffa_Bacon
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    Re:road traffic accident a few questions? 2009/07/25 08:40:23 (permalink)
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    Hello mate - I was in same situation couple years ago.

    I even tried called the police to the scene to confirm that i wasnt at fault, they didnt want to know though.

    Idealy you should have taken pics of both cars involved.

    What you can do is tell your insurers that you don't want the work done to your car untill the other side have admitted liability.

    You will be aksed to give accounts of what happened,  then the insurers will decide who is at fault, although it may go 50/50, which means that you claim from your insurance and she claims from hers ! (lol)

    If the outcome is not in your favour, you can then  decide whether to fix the car yourself or claim from your insurance.

    Hope this helps

    Phill

    #2
    monitor
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    Re:road traffic accident a few questions? 2009/07/25 08:47:27 (permalink)
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    If liability is in dispute or not established, you will forfeit your policy excess in order to get the repairs done - standard practice.

    Not sure of what the terms are with respect to writing off but consider that insurers will try to get away with a paltry amount for your car, so ensure you spend a couple of quid getting a comprehensive valuation which is adjusted for options, mileage and condition.

    I'm a Pharma Company's bitch
    #3
    paulthebuilder
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    Re:road traffic accident a few questions? 2009/07/25 10:48:09 (permalink)
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    Do you have motor legal protection?
    #4
    con1981
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    Re:road traffic accident a few questions? 2009/07/25 11:17:35 (permalink)
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    cheers for the responses. Yes I've got motor legal protection does this mean that they will fight the case for me rather than just rolling over?

    A mate of mine said I should put  a claim in for whiplash as everyone does. thoughts please?
    #5
    Biffa_Bacon
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    Re:road traffic accident a few questions? 2009/07/25 12:45:45 (permalink)
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    I thought motor legal protection was only if you have a accidnet with an uninsured driver??

    Valuation wise - talk to someone in the motor trade and ask them to look your car up in the glasses guide - you should be aiming for retail book for you car.



    #6
    monitor
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    Re:road traffic accident a few questions? 2009/07/25 12:58:31 (permalink)
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    con1981

    cheers for the responses. Yes I've got motor legal protection does this mean that they will fight the case for me rather than just rolling over?

    A mate of mine said I should put  a claim in for whiplash as everyone does. thoughts please?


    Do you have whiplash?

    If not, then no, don't make a claim for it as it's cheating.

    I'm a Pharma Company's bitch
    #7
    Frost
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    Re:road traffic accident a few questions? 2009/07/25 14:04:42 (permalink)
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    any claim made is deemed fault claim until claim has been closed any ncd will be reimbursed once claim has been closed non fault if protected no claims is not on ur policy

    motor legal protection will also get you paid xs back if it closed non fault , otherwise you would have to get it back yourself
    #8
    con1981
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    Re:road traffic accident a few questions? 2009/07/25 14:15:14 (permalink)
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    having never had accident  i don't know what whiplash is like. I had  a bit of stiffness in the back of my neck  but was able to do back and traps  that evening  with no pain etc.

    I agree that if you haven't got it you shouldn't really claim it however  was told that I could get between £1500- £4000 for it and the money would be nice.


    DAMM morals getting in the way again LOL!
    #9
    cu3ed
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    Re:road traffic accident a few questions? 2009/07/25 14:39:34 (permalink)
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    Incident.


    #10
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