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Hairy Dan
Member Since: 19 Jan 2011
Location: Co. Durham
Posts: 12319
  
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| Re: Get her to settle it.... |
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BLFarrar wrote:You can decide if you tell your insurer.....yo don't have to as she has admitted full liability.
But if at renewal they ask you "Have you been involved in any accidents including ones that weren't your fault" he would have to say yes now that insurance companies share information.
I have just been ringing around for quotes last week for my insurance renewal and was asked the question from more than one company. Cheers Ian
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 12th Feb 2017 10:42 pm |
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peteyd
Member Since: 08 Mar 2016
Location: South Bucks
Posts: 551
 
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Cobstar wrote:Probably not what you want to hear and of course just my personal opinion but better to notify your insurer of the incident for information only and claim direct against the other driver's insurer.
If she notifies her insurer your details will be in the system. You are supposed to advise your insurer of all incidents - fault or no fault - and they might check the system when you come to renew.
You are meant to disclose all accidents even if no insurance claim is made at all.
Worst case scenario, but if you need to make a huge insurance claim, the insurer will investigate and you could be compromised if you haven't disclosed all accidents. MY16 D4 Graphite in Loire Blue
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| 12th Feb 2017 11:13 pm |
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BLFarrar
Member Since: 02 Aug 2006
Location: Deepest, Dankest, Darkest, Dingiest......Le Halifax, West Yorkshire...with strong links to Ireland
Posts: 6222
  
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this is minor cosmetic damage
give the other driver the "out" they she can fix this...
always take cash if they offer it BREXIT - done properly.
Right now ...We need Government - not Politics
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| 12th Feb 2017 11:20 pm |
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spikekellyrm
Member Since: 23 Jul 2015
Location: Manchester
Posts: 662
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Nice of her to own up (being on camera probably helped). I've been hit a few times but no one hung around. One even wrote me a note but with a false number, was probably conscious they were seen! D4.5 Facelift, Lazer ST4, Prospeed underbody and rack, IID BT, Compomotive/BFG KO2, Series MFlaps, RAI, Dog Gd+XBB, Alive Tuned, T-Max/YellowTop, RemoteFBH, GlassesMod, WheelWinchMod, Jack Mod, LED Mods, Seized Crank Mod....
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| 13th Feb 2017 12:52 am |
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Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6902
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| Re: Get her to settle it.... |
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BLFarrar wrote:
You can decide if you tell your insurer.....yo don't have to as she has admitted full liability.
Yes you do if it goes through the insurance, that is one of their questions at renewal time, if you don't you risk them wriggling out of any clam you may have. No its not fair, but the same happened to me when I was stationary in a car park...... somehow it makes you more of a risk  Joined the BMWX5 45e group
1994 Defender 90
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| 13th Feb 2017 7:55 am |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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BLFarrar wrote:this is minor cosmetic damage
give the other driver the "out" they she can fix this...
always take cash if they offer it
No.
Unless you have the time to chase her through court, go through the insurance.
That damage is not a small bumper scuff, I recon to have that done properly you're looking at the high hundreds to get it repaired. People soon go quiet at the thought of paying that out.
Seen too many people on other forums where this act of kindness soon goes sour when the guilty party goes no contact despite offering to pay/ admitting guilt.
And what if the repair is not up to standard? Are you going to ask her for more money to put it right of fork out yourself?
Also, as mentioned above, insurance ask for any accidents losses or claims that need to be declared. So to ignore this incident would be lying to your insurers.
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| 13th Feb 2017 8:18 am |
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daftlad
Member Since: 12 Jun 2016
Location: Worksop , Nottinghamshire
Posts: 712
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do the insurance route
make her wake up a bit whilst parking wont it .
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| 13th Feb 2017 8:21 am |
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firthy77
Member Since: 03 Dec 2016
Location: Stockport
Posts: 94
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Always tell your insurance, don't forget even if it goes through her insurance company they share data.
So if you don't disclose it your own insurance can be void.
It will go down as a None Fault accident. I had a lady run in the back of me in my last car.
It did not affect my price at renewal. 1968 Series 2A
MY13 D4 XS SOLD
MY12 Freelander XS SOLD
D2 V8 SOLD
D1 300TDi SOLD
90 SW 200TDi SOLD
90 SW Naturally aspirated SOLD
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| 13th Feb 2017 9:18 am |
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L319
Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2080
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I have had a number of people run into me over the years & it has not affected my premium, but fortunately the last was some years so am not so up to date with current insurers practise.
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| 13th Feb 2017 9:27 am |
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al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10297
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I think if or how it affects your insyrance is down to the insurer. When I was hit in the back my insurer the following year wanted to increase my premium, even though it was a "no fault" accident from my side, and fully settled by the other drivers insurer. My insurer said it was becasue I was now a higher risk - how can that be when I was stationary in a que of traffic when I got hit, a position every driver is in every time they drive! All we all then higher risk - they eventually backed down after a "heated" discussion.
Al Volvo XC90 B5 Plus Dark
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| 13th Feb 2017 9:30 am |
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GlosBoy
Member Since: 16 Oct 2009
Location: Chandlers Ford
Posts: 2444
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Just had a call from A-Plan, her insurance company, and luckily mine too
They appear to be brilliant.
They have said that because she has been in and admitted total liability and that we are both with A-Plan they will waiver my £300 excess and it will NOT effect my renewal when it comes around, I have this in an email to confirm.
They are arranging for the car to be collected ( from some garage in Poole) and Enterprise to deliver me a similar sized car.
At the moment it all looks good
Big  to A-Plan and lucky we are both with them D4 HSE - Aintree Green
D4 Orkney my13 - gone
Stornaway D4. Gone, Didn't like it at all
D3 silver manual. Loved my first LR
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| 13th Feb 2017 11:41 am |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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Good result
And just as well you haven't gone down the route of hiding it from your insurers. Could have ended up with egg on your face come renewal time 
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| 13th Feb 2017 11:56 am |
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Discoveringcomfort
Member Since: 16 Sep 2015
Location: Berkshire
Posts: 637
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A-Plan they will waiver my £300 excess
What excess, it is not your fault so there should be none to pay!! Series 1 V8
Series 2 Hibrid V8
Discovery 3 HSE V8
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| 13th Feb 2017 12:21 pm |
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mark the spark
Member Since: 22 Jun 2011
Location: southampton
Posts: 2477
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Dont go anywhere near your insurance company get a quote from a bodyshop and let her settle it
even if its 100% not your fault it will cost on your premium in the future in IMO MY05 SE D3 Manual my first LR what a car
MY10 HSE D4 auto
MY14 XXV more buttons than the spaceshuttle
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| 13th Feb 2017 1:21 pm |
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Jubbly
Member Since: 20 Nov 2016
Location: Stourbridge
Posts: 401
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GlosBoy wrote:Just had a call from A-Plan, her insurance company, and luckily mine too
They appear to be brilliant.
They have said that because she has been in and admitted total liability and that we are both with A-Plan they will waiver my £300 excess and it will NOT effect my renewal when it comes around, I have this in an email to confirm.
They are arranging for the car to be collected ( from some garage in Poole) and Enterprise to deliver me a similar sized car.
At the moment it all looks good
Big to A-Plan and lucky we are both with them
Your lucky, the few times I've been hit by other drivers I've been loaded at renewal even though 100% the other drivers fault and paid out.
Good result!
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| 20th Mar 2017 9:33 pm |
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