[NFS]

Originally Posted by jdcampbell

If her old man is a solicitor he may be refusing to admit liability so as to avoid problems with the insurance company. You may well find they don't contest what happened and are only leaving it up to the insurance company to decide who is liable and who is paying.

I think you are right !

[doughboy]

Originally Posted by MIKEYBMW1

I was told by my insurance company that a non fault claim does not affect your premiums .

This is the blag IMO.

If you stay with YOUR insurer, they know the score with your non fault claim.

If you change insurers you have to answer 'yes' to 'the have you had an accident question'

Even though you plead inocence, and they can check that no costs were incurred, the computer will load you for it.

Got you either way, same with protected no claims, even if you do claim you won't lose your no claims, but they will load you slightly for having an accident / claim, then reduce the new higher premium by your NCB figure, so you still lose even though you pay for protected NCB.

[doughboy]

Originally Posted by MIKEYBMW1

ALWAYS CALL THE POLICE I know I will next time .

The police won't come unless someone is hurt or the road is blocked or there's some argy bargy about it.

If you call 999 they'll bollock you and cut you off as its not important.

[scottishpete]

Originally Posted by doughboy

Take note, I had a minor parking scrape a while back (my fault), swapped details with the other party and left it at that.

Then the police tried to charge me with failing to report an accident, careless driving and leaving the scene of an accident!!!!

I had to pay a lawyer, but it got dropped before court....

Make sure you write everything down!!!!

Exactly,you need to report it

[scottishpete]

Originally Posted by doughboy

This is the blag IMO.

If you stay with YOUR insurer, they know the score with your non fault claim.

If you change insurers you have to answer 'yes' to 'the have you had an accident question'

Even though you plead inocence, and they can check that no costs were incurred, the computer will load you for it.

Got you either way, same with protected no claims, even if you do claim you won't lose your no claims, but they will load you slightly for having an accident / claim, then reduce the new higher premium by your NCB figure, so you still lose even though you pay for protected NCB.

Spot on mate

I know this for sure as had a second car on another policy and some twat revered into it outside
I claimed off his insurance directly and as soon as i put it on my details with insurance come renewal it went up

if you do some quotes with or without you will see the difference for sure,and not just one year..Oh no this lasts 3-5 years

[leetennis]

But if it ends up 50/50 i wont bother having the car repaired through the ins as its not worth it to my premiums. i will have it repaired at my expense and in my own time, this way tesco say my premium stays unaffected

[leetennis]

Originally Posted by MEGA

If she REVERSED into you, how could it EVER be your fault? Open and shut case surely.. Or is there something your not telling us?

How was it that she reversed into side of you?

Give more details and we can advise better...

All details on the bottom of page 1, Any more advice welcome