Blues Rock DJ
New member
Definition of the word 'accident' an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in damage or injury. I rest my case
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[Help] Zero fault car accident.
- Thread starter Uncle C
- Start date
Yes - fair enough. But if she had performed an emergency stop because someone stepped out, I would have seen a) the person, and b) her brake lights. Given that we were going at the same speed, then I would almost certainly have had time to stop. But because she effectively stopped as if she had gone into an invisible wall, I was inside the stopping distance before I realised she wasn't moving any longer. That is - there was adequate clearance until it disappeared! Anyway, no harm done to anyone - it was pretty low speed. But the point of the story was that my premiums didn't go up - and I reckon that may have been because I was with a small company who actually looked at what had happened rather than just running it all through a computer. Who knows though?
studio150
Well-known member
c0lz
North East Stand.
You have to declare a non fault accident upto 5 yrs, made no difference to our premium or quotes during the 5 yr period.
Gazwag
5 millionth post poster
More importantly do not under any circumstances give your insurance company your mobile phone number or you/your wife will be plagued by those tosser ambulance chasers for years. My car was hit in a car park near 3 years ago, all repairs though the other driver insurance but I still get calls from the 
trying to get me to pretend I was injured when I wasnt even in the car.
trying to get me to pretend I was injured when I wasnt even in the car.
- Jul 7, 2003
- 47,221
More importantly do not under any circumstances give your insurance company your mobile phone number or you/your wife will be plagued by those tosser ambulance chasers for years. My car was hit in a car park near 3 years ago, all repairs though the other driver insurance but I still get calls from the
You get those calls anyway. I've- touch wood- not made any insurance claims for years, apart from a couple of windscreen replacements, but these companies just go around cold-calling thousands of numbers in the hope of finding somebody who actually has been in an accident. God that must be a soul destroying job. I never even engage with these people: the second I hear "Good morning, I'm calling you today because I understand you've been involved in an accid...."<CLICK>. I presume other people have similar reactions, so I imagine it must get pretty tedious having the phone put down on you all day.
Back to premiums: Mr K got rear end shunted whilst stationary at a red traffic light earlier this year (car behind him got hit first and then punted into him). There were injury claims as a result, as well as damage to three vehicles. He's a named driver on my insurance. I declared his claim when I renewed my policy last week, and it doesn't seem to have had any effect, as my premium actually went down slightly. Perhaps it was simply a case of it being a no-fault claim in which the driver of the first vehicle admitted liability straight away, but I was mildly surprised, I admit.
cliveh27
New member
Unfortunately this is not strictly true. Your bad debt will stay on the records held by credit reference companies for 6 years. If you have settled it, it will appear as such. If it was a CCJ and you settle it, it will appear as satisfied. Credit and loan companies will still see these records, but (in general) they will look more favourably on a settled debt than an unsettled one.
Theatre of Trees
Well-known member
Have some fun with them.
Caller: I'm phoning about your recent accident.
Me: Which one?
Caller: Er, your recent one.
Me: I'm very accident prone, I've had a few recently.
Caller: Your recent one.
Me: Which one? You're the one phoning me tell me which one it is.
Caller breaks off call.
You can do a good one with your previous accident causing you memory loss and them having to tell you about it. Went round in circles for about five minutes with that one before, any question met with the answer I can't remember can you tell me what it is. They can't and eventually give up, leaving you with a few months free of them phoning you.
I worked in the motor insurance too.
As well as anecdotally. In the last five years, both of the car owners/drivers in our household have been involved in several 'not at fault' accidents. The repair bills to the other insurers on each occasion were huge. Yet our already low premiums continued similarly year after year (NCD was already at max, so that wasn't a factor).
Perhaps the truth is that higher risk groups, such as drivers in the age group 17 to 29, and/or with convictions, would be prone to premium loading for not at fault accidents?