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Car insurance dilemma

Discussion in 'The Vault' started by jon545660, Apr 22, 2015.

  1. jon545660

    jon545660 don't make me get the hose... Member

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    Had my car written off yesterday after getting sideswiped by a lorry on the M62. The lorry company (Lithuanian) seem willing to pay for my damages without going through insurance.

    I’m not sure if I should inform my insurance company anyway. Obviously if the lorry company doesn’t stump up the money then I’ll have to claim on the insurance. But if the lorry company do pay, will my insurance company use the knowledge I was in an accident, even if its not my fault, to hike up my next premium? I have a feeling they will. The bastards.
     
  2. Hass

    Hass Well-Known Member

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    At least inform your insurer what has happened and let them know the full details of what happened, explain that you're working with the third party to deal with it privately but if that doesn't happen you will get them to take the reigns with the third party insurer.

    You won't get a bump in your premium for informing them, you should do this anyway even if dealing with any claim privately, worst comes to the worst if the third party try to pull a fast one at least your insurer is aware of the facts and can act. This should always be done at least with 24hrs of the incident.

    Hope you're ok though mate?
     
    jon545660 likes this.
  3. jon545660

    jon545660 don't make me get the hose... Member

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    Cheers Hass. Yea I'm sound. Only damage was the car.
     
  4. Hass

    Hass Well-Known Member

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    If you have to claim on your own insurance your premium will probably go up. Check you've protected your no claims discount mate, it does cost a little bit extra but worth it, some insurers such as direct line also protect you from non fault claims.

    Worst case scenario mate if your premium is affected, when your cover ends shop around using the comparison websites also checkout cashback websites such as quidco and topcashback to get a better deal.

    Glad you're ok and hope you're back on the road soon
     
  5. jon545660

    jon545660 don't make me get the hose... Member

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    Yea, I had a claim a good few years ago, but claimed on the other guys insurance (he went into the back of me). My insurance still hiked my next premium as they said I was now 'a higher risk' even though it was the other guys insurance that paid out. Even quotes from other insurance companies were hiked because of it.

    I've just spoken to my insurance and they say no time limit on putting a claim in, so fine to wait and see if lorry company settle privately, and if they don't then put a claim in at that time. Have also agreed a price with the lorry company, so lets see how quickly they pay out.

    Cheers.
     
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  6. Mors

    Mors Well-Known Member

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    In my experience, your premium will go up if you declare it, claim or not. I've had it happen twice to me. Although by all accounts its a bit of a legal grey area them doing it to you.
    I'd be claiming on my insurance straight away, I wouldn't trust the highly suspect company to pay me out, and you have access usually to other perks via your insurance like a courtesy car and legal cover etc if you go down that route.
    Glad to hear you're ok though, lucky escape by the sounds of it.
     
  7. Rosco

    Rosco Worse than Brendan Honorary Member

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    Whiplash isn't always evident immediately!

    And can pay for a nice holiday
     
  8. nealmac

    nealmac Turn around Member

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    First of all, I'm glad you're ok, Jon.

    As for your question, it really depends on your insurer. In theory, your premium shouldn't go up unless you lose your no-claims. Even if he's willing to pay outside of insurance, I assume you got his details? You may need something to fall back on if he decides to change his mind.
     
  9. FoxForceFive

    FoxForceFive Administrator Administrator

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    Bex had had two non fault claims on her insurance. Both under no claims protection & both not her fault.

    Her premiums went up both times & having run a quote with or without them make a helluva difference.

    Fucking ludicrous, but there you go.
     
  10. jon545660

    jon545660 don't make me get the hose... Member

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    Update:

    The lorry company offer is actually 3 x the value of my car. I asked for a cheque but they want to pay me in cash. I insisted on a prompt payment and they want to get one of their drivers to meet me today on a motorway service station to hand over a wad of cash. All this has been agreed via email from their 'lawyer' in Lithuania, so I have an evidence trail.

    Should I be worried that I might be kidnapped and sold to slave traffickers?
     
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  11. FoxForceFive

    FoxForceFive Administrator Administrator

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    I'd defo take a friend!

    I'd well be doing it though, that's a fucking bonus & a half!
     
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  12. Fabio

    Fabio Former mod, consistent c*** Honorary Member

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    .... It's odd
     
  13. Athens

    Athens Greatest Bloke Ever [Citation Needed] Member

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    A friend who has a 'little friend' that's secreted about his person.
     
  14. refugee

    refugee 4 * Xpert 11 Champ + only Veisercount Cup winner Member

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    An old man crashed his car into my car when I was fucking parked once. My insurance premiums went up, even though I wasn't even driving the car.
     
  15. Rosco

    Rosco Worse than Brendan Honorary Member

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    I'd bring Vaseline
     
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  16. refugee

    refugee 4 * Xpert 11 Champ + only Veisercount Cup winner Member

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    Seems well dodgy. Either they have no insurance and are worried you might land them in it or they are planning to harvest you for organs.

    Either way I'd deffo take some mates.

    Also, if they pay cash then what is to stop you bringing a claim against them anyway? They will probably make you sign something...so read it and check the money is real.
     
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  17. Rosco

    Rosco Worse than Brendan Honorary Member

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    Unless Mike Ehrmantraut is available
     
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  18. Brizzle

    Brizzle Very Well-Known Member

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    Sounds ideal to me! New car, wooo
     
  19. jon545660

    jon545660 don't make me get the hose... Member

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    Won't be today anyway and I'll defo not be going alone!
     
  20. Rosco

    Rosco Worse than Brendan Honorary Member

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    I wonder what they were carrying given they clearly want to keep this on the QT.

    Given they're flush with cash also, I think it's safe to say you've rumbled a international drugs smuggling operation


    Good luck
     

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