Is this true? you cannot make a claim for a car accident if its on private property?

Twisted_Ace

It used to be so, but the regulations were changed in January 1992.
You can now make an insurance claim for an accident on private property. It's more hassle than if it happens on a public road, though...

Bardic

It's not true. You most certainly can.

haysi0

Yes you can so don't panic,

OriginalBubble

It is totally not true

James B

You can make a claim but without a ticket being issued the insurance company doesn't want to pay. You will need to get your insurance to fix your car. This is another reason we need no fault insurance.

buttrfly52

You can make a claim, but without a police report, don't be surprised if the consider the claim 50/50 and each company pays for their own insured

Deb S

The only time "private property" comes in to play when there is an accident is that the police will not take a report. Otherwise, all insurance issues are business as usual.

rowdy

Your question's not written very clearly, but I think what you're saying is this:

You were involved in an accident, on private property, which was your fault, and you are waiting for the other guy to claim against you. Forgive me if I've got that wrong, but I've read it several times.

You can't go round damaging other people's property just because it's on private land. If someone walked up your garden path and damaged your front door, you'd expect him to pay for it, wouldn't you?

So.....if you damaged his car (and it's deemed that you were at fault), then he is entitled to sue you for the cost of repair.

What happens next depends on your insurance, and the exact nature of the property it happened on. By law, you only have to be insured against third-party claims for accidents on public roads. For this purpose, a public road is defined as a road to which the public has access. That's physical access, not legal access - in other words, can anyone just drive in without opening gates, moving barriers, etc?

If it was a public road (by that definition), then you're covered, and if he claims, you can claim from your insurance.

If it wasn't, and he claims, then you'll have to pay (if you can), unless your insurance covers you on non-public roads-by-the-above-definition. (Of course, if you can't afford to pay, then he will be in what lawyers call a "blood and stone" situation.)

If I've got this all wrong, and it was his fault not yours, then the same applies, but the other way round of course.

Neil

It depends on the policy, the place (is it a privately owned place that is open to the public, e.g. a supermarket car park, or a properly private place such as a driveway), and how the accident occurred.

Some policies will cover, some won't - you'll have to read the small print. It could be that the other party's policy doesn't cover it, so they haven't claimed.

The original Peter G

If "private property" is incidental to use of car (eg. parking in a field for an event) then insurance should cover you. If you were off road racing then it won't. Read your policy document. In any case you have the option to take action against other party if not your fault

bundysmom

Angel girl

NO that is not true...the police will not come to the accident on private property but your insurance is still going to cover you.

Jay B

erm, not sure about that, but you can't make a claim for a car accident if your driving on the round-about where the arc de triomphe is

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