| Sharpy,
You aren't going to want to hear this but it is now all too late.
If you don't have protected No Claims Bonus on the car you will be looking at a reduction of 2 or 3 years depending on who you insure with.
Th e reason being is you have made your insurance company aware of an "accident", in doing so they will have opened a "claim file", as soon as they do that your NCB is compromised and your clean record only reinstated by getting a 100% settlement, either financially or in yoir case in principal dissolving you of responsibility.
Keefer is right in that this looks like a classic "knock for knock" claim, further complicated by being on private ground with no obvious roadway or give way markings at the point of impact.
You will need to decare the incident in future insurance quote seven if your bonus is protected as 99% of insurnce companies ask "have you had any accidents, claims or losses in the last 'x' years ?"
You can only answer yes as you have had an accident, blame at that stage is irrelevent.
Even if he drops the claim, unlikely now as he has caled his insurer, your fate is already decided as soon as your insurance company were made aware.
Sorry to hear it though.
Pietro  | 
02-Oct-2006, 15:53 
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