Car accident & ncb

mmalaka

Looking for advice please

I was in an accident this morning ran into the back of another guy, he had braked suddenly

It was a low speed impact, his rear bumper was scratched, that's all. my car is ok

I am on Third Party insurance, we exchanged information and thats it... no gardi involved, he said he would get a price to repair the scratch and he will call me back

I have 5 years NCB. this is my first accident. would this affect my NCB? should I report that to the insurance? never been involved in such things before... so what should I do? we did not report anything about today?

Random

You should report any accident to your insurance company (it's in your T&C). If you guys wanna settle privately they will no doubt allow this anyway as they don't want to pay out money as much as you don't want it to go through your insurance.

mmalaka

I am not sure if I want to settle privately as I do not know yet how much the cost... but I think we both insured with the same company....

Anan1

When he gives you the quote you can decide whether to pay it yourself or let him claim from your insurance.

Random

Anan1 wrote: »

When he gives you the quote you can decide whether to pay it yourself or let him claim from your insurance.

The choice is really the other guys, not the OPs ... but most people are reasonable

mmalaka

ok so I need to report the accident to the insurance company

and If I decided to let him claim from insurance; how this will affect my NCB??

Borzoi

mmalaka wrote: »

and If I decided to let him claim from insurance; how this will affect my NCB??

Even if it won't effect your NCB, and it's an affordable sum, don't claim. Once you claim you're effectively tied to your current insurer for 5 years - first thing any Ins Co asks: Have you had any claims within the last 5 years? So effectively you can't shop around so your current Ins Co will be able to screw you :mad:

Black_Knight

What he said^

I had a shunt with some guy hitting me from behind. It was a high speed impact but fortunately for him (and amazingly) the car wasnt damaged at all. Not even the rear bumper that much (just a wee scuff from the imprint of his number plate). No structural damage or other body work.

I was quoted off a garage something like €400:

Fixing the bumper - small cut from screws
Paint
Labour
Think that was it. Might be a guide price for ya, though everywheres different.

Eoin

mmalaka, you need to read the terms of your policy, none of us can tell you.

If it's really just a scratch then pay it yourself once you get the quote.

veetwin

eoin wrote: »

If it's really just a scratch then pay it yourself once you get the quote.

These scratches can be hugely expensive. Somebody bumped me from behind a few months ago and left a few scratches on the rear bumper that were barely visible to the naked eye. Other driver wanted to settle without going through insurance until the garage quoted €800. Just a word of warning to the OP!

jskinny_de

All companies are different but with mine you just let the insurance company deal with it. Then later you pay that amount to your company and they reinstate the NCB.

Black_Knight

jskinny_de wrote: »

All companies are different but with mine you just let the insurance company deal with it. Then later you pay that amount to your company and they reinstate the NCB.

Quinn do this, and then next time your getting insurance off em its gone up for some reason! Questioned them regarding paying for the claim/perfectly health NCB and they gave some BS story. Moved to a different company with NCB intact and made a nice saving on quinns renewal.

Lex Luthor

I know a guy who got tipped from behind in his A4. To the eye, it looked like there was a "scratch" but the crumple zone had gone in the bumper so it needed to be replaced. €1200

Anan1

Lex Luthor wrote: »

I know a guy who got tipped from behind in his A4. To the eye, it looked like there was a "scratch" but the crumple zone had gone in the bumper so it needed to be replaced. €1200

+1, the last time a taxi 'scratched' the rear bumper of my mother's car, the bill was €2,000.

oldyouth

jskinny_de wrote: »

All companies are different but with mine you just let the insurance company deal with it. Then later you pay that amount to your company and they reinstate the NCB.

That's the best advice. Although it is your choice, unlike another poster said, it is better to leave it to them in the 1st instance. They have the experts to assess the damage and get the necessary discharge forms signed by the 3rd party. Also, it may turn in to a personal injury claim and sure you wouldn't be able to pay that yourself.
Don't forget, if you want to repay them and reinstate your NCB, you will have to pay all the associated costs as well as the amount paid to the 3rd party. If negotiations continue past your renewal date, your premium will be based on the reduced bonus, but they will give this back to you when everything is sorted

fonda

Borzoi wrote: »

Even if it won't effect your NCB, and it's an affordable sum, don't claim. Once you claim you're effectively tied to your current insurer for 5 years - first thing any Ins Co asks: Have you had any claims within the last 5 years? So effectively you can't shop around so your current Ins Co will be able to screw you :mad:

Completely untrue

I claimed off my insurance and left them 2 years later cause they were still adding a charge to my premium, different company were much cheaper!

Drummerboy08

It could be more expensive than you think. As the lads here have said, there may be structural damage behind the point of impact.

Happened one of the lads in here not too long ago - Got hit from behind at low speed. When we opened up the boot the floor pan was buckled. From the outside there was only a rear fog lamp broken. The estimate was for €4000.

mmalaka

I reported the accident to the insurance company...
I aked them about the NCB, they said I am on 5 years NCB and if this will be sorted through them I will lose 2 years

still waiting to know about the cost....