Car accident advice

spongy · Jun 3, 2015

drew said:
QUOTE=spongy;6950119]I'm not trying to get out of anything. I'm trying to minimise the cost. She's now home, she's phoned him back and he's already reported it to his insurance company so that's the route we'll go.

Apart from a smashed number plate and a loose grill her car is ok and I can repair it myself. ive seen the photo of his car and on the surface of it it must've only been a 5-8 mph shunt at most. He needs a new bumper.

If we don't claim and he wants to do we still have to pay the excess on our policy as we won't technically be claiming?

The excess should only apply to damage to your car.

The circumstances sound similar to an accident my wife had last week when someone went into the back of her car. Plastic bumper split along the top but estimate is about £700. Unfortunately my wife claims not to have suffered whiplash so we will have to pay for this years holiday in some other way!!!! Third party initially wanted to deal with privately but she is now notifying her insurers.

Appreciate what you are saying but to be honest, you did post on an internet forum that you were thinking about committing insurance fraud!!![/QUOTE]

I realise I said that but it's not my style really. I was just thinking out loud and asking for advice to minimise the cost. All options were running through my head a couple of hours ago. I'm not a dishonest person. But I would have carried out that threat to "The Man".

Fungus · Jun 3, 2015

spongy said:
I've just a re read of the thread in case I missed something and seen this.

It's comments like this that make this board so frustrating at times.

If we had been talking face to face as a group I'm betting Dan "the man" wouldn't have said that oh so very sarcastic reply. And if we had indeed been face to face is the kind of shitty comment that would get Dan "the Man's" teeth punched straight down his throat.

The anonymity of a keyboard.... CJTC.

So, anonymous sarcastic reply versus anonymous threat of GBH? Remind me who's the CJTC?

ozseagull · Jun 3, 2015

spongy said:
It's all done. We're not claiming for hers so it won't cost us anything until renewal time, she hasn't got protected NCD so she'll lose 2 of her 4 years.

We'll just have to count the cost come renewal time.

A couple of things. Firstly you won't lose your no claims if you don't claim.
Secondly and most importantly. Aviva only ask how many claims you made, not how many accidents. Therefore when renewal time comes, renew with aviva and you don't have to tell them.
As far as I know only aviva ask the question this way. Subtle wording difference.

sully · Jun 3, 2015

Make sure you get your wife's car checked out properly. The front of the car is likely to be designed to take the impact and spring back out. I was amazed at the amount of "hidden" damage to my car when I had a similar accident a few years back.

drew · Jun 3, 2015

ozseagull said:
A couple of things. Firstly you won't lose your no claims if you don't claim.
Secondly and most importantly. Aviva only ask how many claims you made, not how many accidents. Therefore when renewal time comes, renew with aviva and you don't have to tell them.
As far as I know only aviva ask the question this way. Subtle wording difference.

I think you have misread it (or maybe I have!). I think Spongy is saying that he is not claiming for the damage to his wife's car. If the third party claim on their insurance then their insurers will probably put Spongy's insurers on notice.

As for Aviva, you are obliged to advise them of all material facts as you are with any insurer. If you look at their website, they refer to a number of assumptions, one of which is that you haven't had a claim made against you in the last three years.

http://www.aviva.ie/online/driving/car-insurance/regulatory-legal/our-assumptions/

Petunia · Jun 3, 2015

spongy said:
I've just had a call from the missus saying she's just had an accident. I have my own insurance policy with is fully comp and protected with 15+ years NCD and I'm a named driver on her policy and vice versa. Can I not just say I was driving and use my policy? I know this option isn't strictly legal but if it can help us out financially then I'm game. We're not skint but any extra expenses will seriously **** up our tight finances.

spongy said:
What is wrong with just an inflation matched rise like most of us would love (my missus being a civvy for Sussex Police who hasn't had a rise in 7 years) and just keep the excess for the public purse strings

Oh dear Spongy, she's gonna love you :wrong:

edna krabappel · Jun 3, 2015

This brilliant idea about telling the insurer you were driving (I know you're not going down that route but I'm just thinking it though here)- how did you think that would work when the other party submits their statement to their insurer describing the female driver of the other car involved? :lol:

Pickledegg · Jun 3, 2015

I would guess in the cold light of day that the third party will wake up with serious neck and back pains!!

Sad world we live in but a stark reality! Let the insurance companies deal with it, that's what you pay for!

And like someone else mentioned, check the front end of yours as there may be a lot of hidden damage!

Blue Valkyrie · Jun 3, 2015

If you actually did get caught with the fraud ( which you are wisely not going to attempt ), besides any criminal penalties, you would find it very difficult to get any insurance again, so that could be the end of your driving days. And other financial products would also be potentially harder to obtain, including mortgages...

Diego Napier · Jun 3, 2015

Steve.S said:
Someone goes into the back of you and you get yourself to the doctors, get a sick note for whiplash and then wait for the no win no claim brigade to call and get yourself a couple of grand for whiplash injuries. That's the reality of today's society. I hit someone's wall twenty odd years ago, it left the car paint on the wall and no damage, they claimed 5 grand for a new wall and to this day they have not repaired it.

Insurers and police (and the medical profession) are well aware of the proliferation of staged accidents and associated whiplash claims that occurred over the past 5-10 years. They've now got their asses in gear and I think it would be quite difficult to get a false claim past them.

Hampster Gull · Jun 3, 2015

Possibly the other driver was a crook. My wife was scammed like this a while back. Five in the car, all paid off a few thousand each by the insurance co as a compromise.

edna krabappel · Jun 3, 2015

Hampster Gull said:
Possibly the other driver was a crook. My wife was scammed like this a while back. Five in the car, all paid off a few thousand each by the insurance co as a compromise.

Or, quite possibly, his wife simply wasn't paying attention, and was driving too close to the vehicle in front, thus being unable to stop when the situation demanded it.

Paris · Jun 3, 2015

edna krabappel said:
This brilliant idea about telling the insurer you were driving (I know you're not going down that route but I'm just thinking it though here)- how did you think that would work when the other party submits their statement to their insurer describing the female driver of the other car involved?

http://media.philly.com/images/JennerVanity-LRG.jpg

edna krabappel · Jun 3, 2015

Paris said:
http://media.philly.com/images/JennerVanity-LRG.jpg

Nice idea, though as the first post in this thread suggests the wife (as legally required) gave her name and address to the other driver, further confusion may arise should the O/P go down the Caitlyn Jenner road :lol:

OzMike · Jun 4, 2015

So refreshing to see someone admit responsibility for their actions in this current blame game culture.

sydney · Jun 4, 2015

ask the guy to get three quotes and you'll pay the middle amount in cash....he may say no.....the ball is in his court unfortunately , at least you qualify for a blow job every day for the next two weeks..... :thumbsup:

Steve.S · Jun 4, 2015

Diego Napier said:
Insurers and police (and the medical profession) are well aware of the proliferation of staged accidents and associated whiplash claims that occurred over the past 5-10 years. They've now got their asses in gear and I think it would be quite difficult to get a false claim past them.

If someone goes straight to the doctor and gives the symptoms of whiplash, then it is very hard to disprove. Yes insurance companies have made progress, but only against multiple claims from one person or against people who have not sought medical advice.

Deleted User X18H · Jun 4, 2015

Settle privately by all means . However you will be obliged to report ALL accidents and incidents to your insurer however trivial you may think the matter is . Is the TP injured ?? At all ? Might they decide they are later ? It would appear to be a clear case of LNID on your part .

teaboy · Jun 4, 2015

edna krabappel said:
Or, quite possibly, his wife simply wasn't paying attention, and was driving too close to the vehicle in front, thus being unable to stop when the situation demanded it.

This looks like the most likely explanation, and is far too common. Hopefully people reading this will leave that extra bit of space on the road to avoid exactly this situation.

Blue Valkyrie · Jun 4, 2015

If you settle privately, and then 3 months down the line you are hit with a claim for thousands for whiplash, I assume your insurance won't pay as you didn't get them involved from the start ?

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