No Claims Discount / Accident Procedure
Posted by: Paul Hutchings on 31 March 2005
Should probably be posting about reasons for early morning insomnia but maybe another day 
I don't know all the details here but as I know it.
A friend of mine had an accident last week where "White Van Man" came skidding to a halt and ran into the back of her at an island, AIUI she was stationery, she got whiplash and is on painkillers from the doctors for that and some resulting back pain.
She got the other drivers details, notified her insurance, has taken her car to their recommended accident centre and it needs approx £500 worth of work needed on/behind the rear bumper area.
This is where I'm a little unsure of all the facts but she is has been asked by her insurance company for the £400 excess on her policy, she's quite young and has had an accident before so I guess she chose a high excess to keep the premium down.
Today (well yesterday) she got home to find that they have taken a higher monthly payment than normal and have now sent her a new revised policy that is more expensive than the one that she was on. I know she's on one of these "bonus accelerator" policies but I'm not sure who with, I'm guessing maybe Admiral/Diamond as they're the only folks I know of who do this?
I'll find out more when I speak to her today but as I've never had to make an insurance claim (for anyone who remembers my posting about my own truck incident nothing came of it) I'm not sure how the process works, and I don't know if I've been given the full story or if my friend might have mis-interpreted what she's been told - though as they've increased her monthly premium and took the money yesterday this seems unlikely.
I've no idea if the guy admitted liability or not but AIUI someone runs into the back of your car and they have to have a pretty good reason as to why it isn't their fault so I would expect his insurance to be liable?
cheers,
Paul
I don't know all the details here but as I know it.
A friend of mine had an accident last week where "White Van Man" came skidding to a halt and ran into the back of her at an island, AIUI she was stationery, she got whiplash and is on painkillers from the doctors for that and some resulting back pain.
She got the other drivers details, notified her insurance, has taken her car to their recommended accident centre and it needs approx £500 worth of work needed on/behind the rear bumper area.
This is where I'm a little unsure of all the facts but she is has been asked by her insurance company for the £400 excess on her policy, she's quite young and has had an accident before so I guess she chose a high excess to keep the premium down.
Today (well yesterday) she got home to find that they have taken a higher monthly payment than normal and have now sent her a new revised policy that is more expensive than the one that she was on. I know she's on one of these "bonus accelerator" policies but I'm not sure who with, I'm guessing maybe Admiral/Diamond as they're the only folks I know of who do this?
I'll find out more when I speak to her today but as I've never had to make an insurance claim (for anyone who remembers my posting about my own truck incident nothing came of it) I'm not sure how the process works, and I don't know if I've been given the full story or if my friend might have mis-interpreted what she's been told - though as they've increased her monthly premium and took the money yesterday this seems unlikely.
I've no idea if the guy admitted liability or not but AIUI someone runs into the back of your car and they have to have a pretty good reason as to why it isn't their fault so I would expect his insurance to be liable?
cheers,
Paul