hitman2k
Member
Registered: 27th Aug 03
Location: West Midlands
User status: Offline
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Hiya guys, not haveing best of days was on the M6 2day in traffic when this guy hit rear of my lexus is200, guy had said its his fault etc... apprently he sneezed sp* and his foot went off the brake!
have a crack in the rear bumper now, its bout 2-3 inches 
what i want to know is if we go threw insurance, will my premium go up the next year?? not sure how it works first time someones hit me!....... any adivce would be great! 
[Edited on 24-05-2007 by hitman2k]
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bigdan
Member
Registered: 4th Jan 07
Location: Jarrow (Newcastle)
User status: Offline
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claim through his and yours isnt affected because you havnt claimed off your insurance company
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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Best off going to a body shop, getting a quote and sending it to the bloke who hit you and ask him for the cash as yes any claim will up your premium.
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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quote:
Originally posted by Cupra Steve
Best off going to a body shop, getting a quote and sending it to the bloke who hit you and ask him for the cash as yes any claim will up your premium.
No it doesn't.
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hitman2k
Member
Registered: 27th Aug 03
Location: West Midlands
User status: Offline
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quote:
Originally posted by Dean_W
What he said
k so basically regardless of whos fault it is my primium will go up?
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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Nope, I meant what bigdan said.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Don't go near your insurance at all and then you have nothing to claim, no note of it, and won't be charged extra next year because of it.
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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Try it out! You have to declaire it on your insurance because you've had an accident. It shouldn't affect your premium though as it wasn't your fault. TBH though with insurance companies making money wherever they can, it wouldn't surprise me if it went up!
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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Thats bollocks. I got hit by a land rover many moons ago. When ringing for a quote, they said any accidents, I said yes. Told them what happened and she said that isn't counted.
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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Well i know people who have had accidents that weren't their fault see there insurance go up. I know i'd prefer to do it myself and get the bodyshop to make it a bit expensive and pocket some of the cash!
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John
Member
Registered: 30th Jun 03
User status: Offline
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If you do not phone your insurance at all you have never had a claim or a crash as far as they are concerned.
Would you tell them you had a crash if you crashed and got it fixed yourself?
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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quote:
Originally posted by John
Would you tell them you had a crash if you crashed and got it fixed yourself?
No, but you should
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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K3 VMU
Member
Registered: 28th Jul 06
Location: Portlethen, Aberdeen,ken
User status: Offline
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my insurance docs came throo for the corsa today,and they put the original reg down instead of K3 VMU, so got straight on the phone,so gotta wait for em to be send up before i can get road tax 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Thats if you make a claim.
If you have not made a claim, which is the case with the original post, the other guy is claiming.
Just read the accident bit, I would phone them up toclarify their position but the other guy making a claim is most definitely not you claiming.
[Edited on 24-05-2007 by John]
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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Yeah I understand that - Tesco have worded it pretty badly - it usually asks if you've been involved with accidents at fault or not.
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