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A lesson......hard learned.

gerarda · 2012-08-19 21:33:28

My next door neighbors son learned a hard lesson on friday. As far back as I can remember he has been BMW mad. He is now 22 and has spent the last 6-7 years saving for his first car (a 3 series), he doesn't drink, smoke and is an all round nice decent trust worthy chap. So he saw this 3 series in the classifieds and tells…

Comments

#92 22-08-2012 10:12PM

sunnysoutheast

Registered Users, Registered Users 2 Posts: 2,071 ✭✭✭

Join Date: May 2006

Posts: 2019

fasttalkerchat wrote: »

pah wrote: »

because you're obliged to exchange names address and insurance details under the road traffic act. Youre also supposed to notify your insurance company. Just because you do doesn't mean you have to make a claim. Its a no claims bonus not a no accidents bonus.

The problem is that the other driver could try and contact your insurance company to claim from your insurance and they often pay out without your consent. If someone tried that on me I would be devastated because I've paid out of pocket before in order to preserve my NCB. My mother and sister would also lose their NCB because we're all named drivers, I would have no choice but to fight the claim because it would cost much more that just to repair the other car.

As far as I know (not 100% sure) you can reimburse your insurance company the amount of the claim to preserve your NCB if you want to.

I've been messed around big time by people backtracking having agreed to pay so now I just go straight to a claim and let the other party worry about it.

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