Car Insurance - Accident (Please Advise)?

Pass it all over to your insurance company. You wont have to pay any excess. She was in the wrong. Her insurance company will pay for it all.

PIRANHA

it sounds like she is saying she is uninsured as the car shouldn't be on the road if it has been written off.i would go back to the police station and tell them the new piece of news and see what they advise

Champagne 3 suspended again !

You need to let your insurance company know all the details. She needs to ring hers too. Then the insurance will fight it all out between them and the other parties insurance will pay for your repairs. You won't have to pay any excess. For that old bat to offer you Â£20 was a bit of a damn cheek !

wag

i have had this happen to me go strait away to your insurance company don't wast your time she will only say she can not afford it

charleys mum

DO NOT TAKE HER WORD FOR IT THAT SHE WILL PAY. Go through the insurance company as she could refuse when the work has been repaired and you will be left with the bill. It is her problem that she wrote a car off earlier this year. Its only May for god sake and she has had 2 collisions now. You will have to pay the excess but if you have a good insurance company they may waiver it for you as it was completely her fault. Your insurance company will advise that you take your car to one of their reccommended accident repair centres to get the work fixed and they will get it all sorted out for you. You should get a courtesy car if the other person is at fault. Your insurance company will get their money back from the other party. Please dont get caught by this woman.

daddyporky@verizon.net

you should of just taken the other name and policy nuber and license number... this person is experienced she has done this before.. so file a claim whith your insurance and add on all the things that were damaged when she hit your laptop fell on the floor.. your cellphone was damaged . and your mpc player.. ok.. and let this be a lessson. dont talk to anyone but the ploice and since she is at falt .. claim the extras.. you may have a dedictable and this will cover the deductable ok gilermo.

evany

Deffinately go though your insurance, They will find out who she is with and you will not have to pay excess, as it was her fault.

You could try to ring her and explain the cost anyway but if she still can't pay, tell her that you will have too unfortunately go through the insurance as you have a right to have your car put back the way it was.

I've had two accidents like this. The first refused to pay so had to go to insurance and they found his details. If you had a witness that would be better though as car parks are hard to prove.

Hope this helps!

â™¥brutalâ™¥

if its not your fault, you wont have to pay anything.

i would go through your insurance (altho my first thought was ring her up and tell her it was Â£500!!) becos she is obviously a lunatic on the rd, and needs to be shown what her actions have caused.

hopefully her insurance will go up and it will serve her right!

WelshLad

Phone up your insurance company, fill in the claim form, you pay the excess and you will get it back from her insurance company.

MellowMan

You seem to have only one option, contact your insurance tell them what happened, as you involved Police things look better for you, give them old ladies details. At least you will get the repairs done at her cost but will not loose no claims as it was not your fault. Actually Â£450 is not bad, my wife had a similar accident that cost Â£1,000 to fix.

rainman

Yes you will pay the excess , then your insurer will claim it back from her insurers. That's if she's admitted liability.

esmerelda v

She offered Â£20, the quote is Â£450. Dont waste any time, go through the insurance.

She might offer to pay and then change her mind when she gets the bill. Accept the offer to pay at your own risk. i.e. be prepared to get nothing.

scuppo

It is clearly the other persons fault, so go through your insurance. The fact she had a previous accident is not your problem. If she agrees to pay you the money without going through your insurance, there is no guarantee you will actually get it.

confused

You should go through your insurance .. if you choose to go the other option she might have you done for stealing money off her or something like that!

entidtil

Let your insurance company handle everything. That is what you pay them for

flattley

Do not take the money - go thru the insurance.
how many more times is that old rogue going to get away with it? You cannot fix it for Â£20 and your excess is not Â£450.
If it is change it.
You did not need to go to the Police Station but simply exchange names and addresses at the scene for light damage only.

elsie55

This is a bit tricky. She has admitted liability so her Insurance company can deny her coverage,( Never admit liability as it could negate your insurance) She will have to pay the full cost of repairs herself if her insurance company denies her coverage and it may be hard for you to get her to cough up. You should not have to pay the excess as your insurance company should subrogate against her company for recovery. If not then she should re-imburse you personally out her own pocket .
Sorry if this is not presented well and I hope it makes sense.

AmZ

Looks like you would be better off claiming the damage through her insurance company since she may not pay the full damage herself. On the other hand, if she is offering the silly amount, she may not have one or has multiple accidents and is worried about her premium going up, in which case will cost her a lot more in a long run if you decided to claim.

Never accept any money unless you document what is it for, and the whole scenario. Make sure that in the even you do take a payment, everything including description of the damage, date, time and location are covered in writing.

Another suggestion; see if you can get a couple of estimates on the work needed, and ask her if she is willing to pay. Sometimes people are willing to cooperate if they have something on paper.

You may tell her about the consequences of filing a claim against her, and she may see that she is better off just paying you for the damage out of her pocket.
Or simply just leave it in hands of the professionals and just file a claim, unless this was partially your fault.

Good luck!

sarah c

really sorry to hear about your accident, first off.. do you have standard or broad collision? this will determine what you have to pay out of pocket. if you have broad collision, you wouldnt pay anything because you are not at fault. but if you have standard you would have to pay your deductible. The reason that the other person doesnt want you to take it to your ins is becuase her policy will likely go up now that this is her second accident in 2 years. I wouldnt take care of it your self, because you will probably never get the money from her. call your ins company and make a claim and they will take care of it all, after all that is what they are there for. i hope that everything gets takin care of and if you have any other questions feel free to ask me!

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