Ducati Sporting Club UK > General > Idle Chat > Insurance Advice needed please - BSB Brands CarPark fiasco

[Ian Harris]

Originally Posted by Sharpy G

so as there is no damage to our car, how does that affect us ?
cheers

unless the other bloke can prove it was 100% your fault (which sounds pretty unlikely), his insurance is almost certainly going to have to pay for his repairs, and his no claims will be affected (ignoring any protected no claims or similar).

If you do not claim from your insurance ,because there is no damage to your car ,there should be no cost to your insurer.

BUT... if the other bloke formally claims against you, the claim could still be held on the Insurance database and there is an argument that you would need to disclose it in future insurance applications. Just because there was no cost to YOUR insurer does not mean it was a nil cost incident, and it is doubtful whether you could call it a "100% Recovery" incident

Its a total pain in the @r5e, but I would be tempted to use the legal cover which, hopefully, you have with your policy to let the bloke's insurance know that you will strenuously deny any responsibility. If the other insurance company know:

a/ They are going to have to pay for his repairs anyway
b/ If they insist on a claim, its going to be refuted and may involve additional cost to them

They may suggest to their client that he's on a loser and he'd be best to drop the claim against you.

The fact you had witnesses in the car can't do any harm, but they will obviously not be viewed as being entirely neutral .

If you can get the bloke to drop the claim without going through the legal route, great. Otherwise I'd do the necessary admin to ensure you don't get an undeserved blot on your insurance record.

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

[Sharpy G]

thanks, it's Claire's insurance with me as a named driver, she has protected NCD
(she even works for the insurance company !)

you are right about the lack of markings ! apart from mud rutts !! LOL

I think he can go whistle IMHO

no damage to the HR-V

as far as I'm concerned he pushed into us, he damaged his car

[Bones]

SHARPY,,, The people in your car cannot be used as your witnesses as they were inside the car , however if one of them happened to be outside of said vehicle they can be used , they are than an independant witness.......

[Chaz]

A parked car can't cause an accident & you were stationary in a carpark end of story.

[doogalman]

Are you sure that no one else who you might happen to know didn't witness it from the car behind yours???

[Sharpy G]

maybe I should ask them ?

[Martini]

After someone drove into the back of me (when I was stationary on M25) I had to keep telling both my car and bike insurers that I had had a "no fault accident". Being a cynical old so-and-so, I thought it would make a difference to my premium - but it didn't. A couple of companies wrote and asked me to elaborate, that was all.

[rcgbob44]

Just find out where he lives and go round with your two friends, Mr Smith & Mr Wesson, and tell him how its going to be.

If that don`t work send Madmav & KB round, that`l sort him out.

[MonstaTom]

my sister was hit by another car so she informed the ins. company just to be safe (as he said he would settle with cash) and he paid the bill for repair (in advance) for the work to be done, no problems. all was well untill she went to renew this year and now has to pay extra because there was an accident to which they had no conclusion to. pricks