Accident Query

iMac_Hunt

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Atlantic Dawn

Normally the car that was hit from behind claims from the person who hit them. The car in front of the car you hit should be claiming from the car that hit them and not from you.

CiniO

Atlantic Dawn wrote: »

Normally the car that was hit from behind claims from the person who hit them. The car in front of the car you hit should be claiming from the car that hit them and not from you.

This might be just complicated procedure, but eventually OP will be the one who caused the accident, and one who will loose NCB. Not the car in the middle, who was not guilty.

Kopparberg Strawberry and Lime

CiniO wrote: »

This might be just complicated procedure, but eventually OP will be the one who caused the accident, and one who will loose NCB. Not the car in the middle, who was not guilty.

Without going into detail, cos this accident sounds overly familiar to me :cool:

I was in an accident recently (dont think its this one, unless op drives a peugeot 206 ?)

i was the car at front,
i went to claim from the person that hit me, so got their details and rang their insurer , they told me claim from the person who hit them, which i then rang, they said yeah grand and arranged a repair and accepted liability in a day.

(I'm not putting in any personal injury claim, just letting the appropriate people know what happened.)

visual

Why does it matter to you what claim their making. Thats what you pay insurance for, protection. The insurance company are big boys and will look after themselves

slimjimmc

visual wrote: »

Why does it matter to you what claim their making. Thats what you pay insurance for, protection. The insurance company are big boys and will look after themselves

They certainly will and the OP will likely notice it being reflected in quite a hike in his premiums for quite a few years after. The lower the pay out the better for the OP, a single personal injury claim could be much higher pay out than all the bent bumpers put together. Insurers don't necessarily look after their customer's interest.

visual

slimjimmc wrote: »

They certainly will and the OP will likely notice it being reflected in quite a hike in his premiums for quite a few years after. The lower the pay out the better for the OP, a single personal injury claim could be much higher pay out than all the bent bumpers put together. Insurers don't necessarily look after their customer's interest.

Once a claim is made NCB is lost and premium is applied at renewal doesnt matter if claim is 1k or 100k

The OP might think a personal injury claim is being paid out of their pocket but its not. It will make no difference if personal injury claim is successful or not.

Insurace company once all the facts are gathered and libility established will not keep OP in the loop of someone elses personal injury claim and most certainly will not be asking OP approval.

oldyouth

Some rubbish here. Insurers will always defend the rights of their policyholder. Having said that, their experience can lead to them taking decisions policyholders might not be happy with, but is in their best interest in the long run. It WILL affect the policyholders premium whether or not a large injury claim is made on the policy. Finally, Insurers are obliged to keep policyholders in the loop over proposed settlements but the policyholder cannot veto the course of action proposed,

meathstevie

oldyouth wrote: »

Some rubbish here. Insurers will always defend the rights of their policyholder. Having said that, their experience can lead to them taking decisions policyholders might not be happy with, but is in their best interest in the long run. It WILL affect the policyholders premium whether or not a large injury claim is made on the policy. Finally, Insurers are obliged to keep policyholders in the loop over proposed settlements but the policyholder cannot veto the course of action proposed,

Of course they will "fight their customer's corner" when he/she caused an accident because it's the liability they agreed to cover. As for who claims from who; it's very simple: the person who caused the accident is liable for the damage be it to people or to property. Sometimes when it's not clear cut and there appear to be multiple causes for the incident liability will be proportionate to the level of culpability.

Bio Mech

visual wrote: »

Once a claim is made NCB is lost and premium is applied at renewal doesnt matter if claim is 1k or 100k

The OP might think a personal injury claim is being paid out of their pocket but its not. It will make no difference if personal injury claim is successful or not.
.

That is completely untrue. The level of the claim very much has an influence on the claims loading on your policy. You would still keep your NCB if its protected but your premium will rise based on claims loading. The higher the claim the higher the loading.

visual

Bio Mech wrote: »

That is completely untrue. The level of the claim very much has an influence on the claims loading on your policy. You would still keep your NCB if its protected but your premium will rise based on claims loading. The higher the claim the higher the loading.

premium is going to rise eitherway full stop.

And to address a point by another poster Insurance companies act in their own interest first and foremost.

visual

Bio Mech wrote: »

That is completely untrue. The level of the claim very much has an influence on the claims loading on your policy. You would still keep your NCB if its protected but your premium will rise based on claims loading. The higher the claim the higher the loading.

premium is going to rise eitherway full stop.

And to address a point by another poster Insurance companies act in their own interest first and foremost.

djimi

Bio Mech wrote: »

That is completely untrue. The level of the claim very much has an influence on the claims loading on your policy. You would still keep your NCB if its protected but your premium will rise based on claims loading. The higher the claim the higher the loading.

I seem to remember reading that there is a threshold (around €80k if Im not mistaken) where basically any claim under that amount will have basically the same affect on your premium. It might not be a hard and fast rule, but its not really a sliding scale, from what I can gather anyway.

visual

If you crash into someone and they claim personal injuries its really out of your control.
The proof the victim (and they are the victim as you crashed into them) has to give is to the insurance company who will assess the claim and come up with a settlement figure only if they are satisfied. There is nothing more you can do but fill out accident report. Once libility is established it all in hands of insurance company.

Bio Mech

djimi wrote: »

I seem to remember reading that there is a threshold (around €80k if Im not mistaken) where basically any claim under that amount will have basically the same affect on your premium. It might not be a hard and fast rule, but its not really a sliding scale, from what I can gather anyway.

I had a claim with Allianz and was told they have a scale. I cant really see an insurance company giving the same credence to a claim of 1,000 vs 70,000. It may differ company by company but Allianz told me they use a scale to determine claims loading. I was told my claim was " a few points up" at 40K and so premium would increase a fair bit. Which it did.