blonde poker forum

I had a small car accident at the end of October.

I accept it was my fault and gave my details.

They was a tiny amount of damage to the other car and I said "get a couple of quotes and I'll decide whether to pay it myself or go through my insurance" (to save my no claims bonus)

It has now been exactly a month since the accident and she has not contacted me. Is there a time limit for her to get a quote for the damage?

It was a tiny scratch really, I doubt it would cost more than £100 to fix. I'm starting to think the longer she leaves it, the more likely the damage has worsened.

Thanks for any help.

I had the total opposite last month.  Someone twatted my back bumper and left a small dent.  Prob £100 to fix.  I am still awaiting them getting in touch with me.  i make it a million they do.

I'll send you £80 and we'll call it quits all around if you'd like.

My car isn't worth £200 resale, so with the greatest of respect, i was hoping they would leave their details so i could make a couple of grand on the insurance and buy a new car!

PS you can buy my car for £80 cash if you want to.  It still has 6 months mot.

3 years is time limit to claim.

Bloody hell.

Is there a different time limit to get the damage assessed and sorted?

And what if she exaggerates the amount of damage caused in the accident?

hmmmm these days its best to inform your insurance company as vaguely as possible and say the other party said they weren't going to claim.  As it is, the legal limit to sue someone is six years so theoretically you aren't in the clear until then.

ps not sure where pokerbrokers three years comes from

Obvs you took pictures of the damage didn't you?

kmac loves a guess up!

don't think he's guessing prob he is saying there is a limit to claim on a motor insurance policy which might be correct idk

3 years is if you're claiming personal injury. 6 for property damage. 

So Kmac is right. 

Nah, trusted her.

It was really nothing. If she'd hit me I would have said "don't worry about it".

I'd have be surprised if she tried to pull a fast one, but going a month without getting it sorted is starting to put doubts in my mind.

kmac is wrong then because there isn't any personal injury just property damage right?

Sorry. Yes.

she is going to claim whiplash

or maybe she was driving without insurance so has kept quiet

Maybe she has just thought it was so little she wont bother.

I was thinking this.  Though a lot do fake whiplash etc, it is very much a minority pursuit. 

Did you get her number Keith?  Maybe just ring her up and ask if she is OK etc?   

No, I just gave her my number.

It was in a car park, I was travelling at around 3 mph.

If she claims whiplash, she is a criminal.

she had no insurance, doesnt want to get involved

If you drove into the back of me i would claim whiplash!!! Heavy load!!!  Even at 3mph! ;D

Report it to your insurance. It's in their T&C's that you have to, regardless of fault or severity.

They could void your policy if you don't.

Blimey, didn't know that.

Is this true even if I pay the repairs myself? (which was the plan assuming the cost was not too excessive)

Thanks Red.

Don't bother contacting your insurance company, they wont do fk all except put your premium up.
If you haven't heard by now, it looks like she wont bother, should have got photos though.
I had a woman reverse into my car a few years ago, she was looking to sort it herself originally and not go through insurance company, which they were fine with.

I hit someone's car with a van about 6 months ago. I didn't know the insurance details, so I told him to contact me the next day. He never did. Figured that he didn't have the correct insurance. He was working at an address and didn't have business insurance probably. Never told my insurance company.

I doubt she will be making any claims for the damage or for any injury. You would have heard by now for sure.

My point is, by contacting your insurance you have nothing to lose. by not contacting them you're policy could could be voided.

Not sure about that as you might still get a premium increase next year and have to declare it on any future applications, which is why I suggested informing them but being very vague as to responsibility and making it clear that the other party said they weren't going to claim.

Don't contact insurance co. They will put premium regardless of fault. Someone went in to the back of me while waiting at traffic lights. The driver in the car behind me foot slipped off the clutch and went in to the back of me. All straight forward and all liabilities met by the other drivers insurance. Following years premium went up by almost £100. When I challenged this increase it was because I was involved in a non fault accident. Obviously they are not my insurance company anymore.

I stand corrected then, although I would never give my business to a company who penalised me for a non fault claim.

The last time I too out insurance on a car they asked me if it had any modifications. I asked what constitutes a modification and they said "Absolutely anything" I said, "What, even if it's only different wiper blades?" and they said yes.

Imagine the list of modifications I gave them.

They all increase insurance for a no fault claim and have done for decades.

 

My daughter put in a very small  "no fault claim". She, too, was quoted a stupid amount at her next renewal.

Also she was plagued with calls from car rental companies wanting to give her a car and saying the insurance company would pick up the tab.  Her  car was driveable and it was only a 2 hour job for the repair work so it seemed crazy to me. I told her to steer clear and I'd also read at the time that there is some scam where the unsuspecting take a rental car in these circumstances and ebnd up with a bill they weren't expecting. .

That isn't true.  A policy would never be voided for non notification.

If he reports to insurers he will be hit with a loading on premium.

3 year rule for damage to vehicle
6 year rule for PI.

This is what I found online.




Non-fault accidents – how do they affect your premium?

Some insurers’ data shows that drivers who were in an accident that wasn’t their fault are more likely to be in an accident again that is their fault in the next few years.

That’s why if you’re in a non-fault accident, your car insurance premium might rise at renewal.
What if you claim from the other person’s insurance though?

You're still likely to see a rise when renewal comes up. "But that's unfair!" we hear you cry.
That's how it works - it's all based on years' worth of statistics, and the figures don't lie.
What if you just don’t report it?

You have to report any accident to your insurer - it’s all in the small print. If you don’t and your insurer finds out, they might cancel your policy or refuse to pay if you make a claim.

That’s why it’s best to look for a cheaper deal when your renewal comes up, as prices are more likely to be higher this time round.

my caravan policy went up for some unknown reason  ;)