24-10-2014, 08:05 AM
Hi,
If there is ANY chance that your insurers will hear you have had an accident (and in this case they definitely will) you must tell them. And that's when the fight starts.
Assume that the other driver will blame you, and claim against you. Get your claim in first. FAST. You want his truck seen by your bloke ASAP, before it get's fixed, or disappears.
Do you know if the other driver had a licence, was insured, was employed "on the books" etc. Was the truck MOT (how do you find out? It's on the web, somewhere.
If you claim, you will lose your NCD. If the other party claim against you, you will lose your NCD.
If you, or a car that you own (but were not driving), is involved in an accident, even if you do not claim (so keep your NCD) your premiums will rise by about 15% for the next 5 years.
If you lose your NCD, you will also lose the 20% (?) introductory discount, so next years premium will be higher than when you first started.
The fight has started! Tell your insurers, they will send an assesor round, who will climb out of his car clutching a tyre tread depth gauge. Not enough tread? NO PAYOUT!
Try Googling HONEST JOHN, or find him in the Saturday Telegraph see if there is any advice on his website. You want you car replaced, you want all your out of pocket expences re-imbursed, you want any future surcharge on you premiums re-imbursed. etc.
Personally, I would not be without Legal Assistance on my insurance. For the sake of £10 odd, I don't want to have to pay my barrister, when the Perp gets his for free.
My SWMBO was side-swiped on the M4 by a curtain sider belonging to a major super market. They insured themselves. They ignored her letters. She lost her NCD, etc. She told her insurers to claim it back. It took two years to get the super market to court ... but her insurers sent her a big cheque when it was settled. and re-instated her NCD
FIGHT!
602
If there is ANY chance that your insurers will hear you have had an accident (and in this case they definitely will) you must tell them. And that's when the fight starts.
Assume that the other driver will blame you, and claim against you. Get your claim in first. FAST. You want his truck seen by your bloke ASAP, before it get's fixed, or disappears.
Do you know if the other driver had a licence, was insured, was employed "on the books" etc. Was the truck MOT (how do you find out? It's on the web, somewhere.
If you claim, you will lose your NCD. If the other party claim against you, you will lose your NCD.
If you, or a car that you own (but were not driving), is involved in an accident, even if you do not claim (so keep your NCD) your premiums will rise by about 15% for the next 5 years.
If you lose your NCD, you will also lose the 20% (?) introductory discount, so next years premium will be higher than when you first started.
The fight has started! Tell your insurers, they will send an assesor round, who will climb out of his car clutching a tyre tread depth gauge. Not enough tread? NO PAYOUT!
Try Googling HONEST JOHN, or find him in the Saturday Telegraph see if there is any advice on his website. You want you car replaced, you want all your out of pocket expences re-imbursed, you want any future surcharge on you premiums re-imbursed. etc.
Personally, I would not be without Legal Assistance on my insurance. For the sake of £10 odd, I don't want to have to pay my barrister, when the Perp gets his for free.
My SWMBO was side-swiped on the M4 by a curtain sider belonging to a major super market. They insured themselves. They ignored her letters. She lost her NCD, etc. She told her insurers to claim it back. It took two years to get the super market to court ... but her insurers sent her a big cheque when it was settled. and re-instated her NCD
FIGHT!
602