I agree with Snowy, bite the bullet & do it! Tough but the best way.
BB
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I agree with Snowy, bite the bullet & do it! Tough but the best way.
BB
Del, it's horrific what the kids have to pay for insurance, car or bike. Often much cheaper to buy the vehicle than insure it :oQuote:
Originally Posted by SupeRDel
BB
I think you're missing the point here. This is someone elses vehicle and a sign written one at that. If the cost comes to less than £1000 if be bloody surprised.Quote:
Originally Posted by dipple666
The door would have to be repared, sprayed (also blended in to match existing paint) and the signage re-done and while this work is being carried out they would need a van so they could carry on working or claim for lost earnings.
I've been in this exact situation before and it's horrible but I'm affraid it's the 3rd party calling the shots.
Like Snowy said leave it in the hands of the insurers. At least there will be no comebacks for you. It wont take long to build up your NCB and try to keep looking at the bigger picture.
I'm pretty sure you will have to inform your insurance company anyway, even if you were to pay cash. I agree with wiltshire builders the job will cost well over a grand. You pay insurance for a reason now is the time to use it.
Can't help with the legal side but the advice given sounds good. Was there much damage to your bike? And glad you're ok, that's the main thing!!
You have no choice but to inform your insurers (current and new).
This is a material fact and you MUST tell them.
There is a double whammy here I'm afraid.
Both of losing NCD and being loaded in the future because of the accident.
You have no choice about the latter you MUST declare it (the consequences of not doing so are bad).
You could potentially pay for the claim and settle it with your insurer. This means it wouldn't be a claim and you would not lose your NCD, but you'd still have to declare an accident/incident.
The costs for these sort of things are often higher than you might expect so it may not be worth it.
I am sure you aren't attempting to do anything wrong, but just for information if you don't declare something and it later gets discovered, then your insurance could be cancelled for "deliberate non-disclosure". If that happens then you have to declare the cancellation forever. The question on quotes is have you EVER been refused or had insurance cancelled. This means you can't use the internet and quotes will be very expensive and you'll be refused so it's a black mark forever.
I'm not suggesting you are attempting to do anything like that, just putting it out there for info for everyone.
You cannot change the fact that there was an accident and you must declare that and you will almost certainly get loaded.
The only thing you can change is whether there is a claim and you can settle this with your insurer after the event if it's financially viable to do so but this almost certainly won't all get settled before your renewal unfortunately.
I would suspect he wants to go through the insurance so he can claim whiplash... >:(
You cynic Mark!! :D
Unfortunately it doesn't matter how light the impact was, they will always claim whiplash. My mate got hit at a roundabout at about 5mph and the insurance company were asking if he had whiplash when the only damage was a little scratch on the bumper and a dink that pushed out by hand. They were saying he could claim as doctors can't prove it, he is too honest and told them where to shove it because it will only add to vicious cycle in the industry!
My guess is that the company don't want to go outside insurance in case they get a personal injury claim against them.Quote:
Unfortunately it doesn't matter how light the impact was, they will always claim whiplash.
I know it would seem unlikely in a rear shunt, but as already said, why would/should a third party expose themselves to any unnecessary risks?
It makes little difference to the situation anyway.
The accident has to be claimed either way and the claim can be paid off after the event if it's viable.