Car Insurance - accident - advice needed

[EternalOptimist]

I had a little bump last summer, no damage to my car. The other driver was on mEdication and was at fault (imo) and suffered £700 worth of damage.
My insurer asked me if I would go to court. yes.
They told me last night that the other guy was contesting it, so they were going to settle for 50/50, to save on court costs.

Even if I dont have any claim (no damage) this will affect my no-claims ?




TIA

[rhubarb]

I would have thought so. Your insurance company is paying out afterall.

Rhubarb.

[chef]

do you have no claims bonus protection?

[rhubarb]

do you have no claims bonus protection?

I've never understood how that works.
If you get an insurance quote they ask you if you've made a claim in the last 3 years - and you'll have to answer yes, even if you do have protection.
Does that not go against you ?

Rhubarb.

[NotAllThere]

Do you have legal insurance for traffic related matters? Maybe you can sue him yourself, and get his insurance to pay out to cover your losses.

[Ravello]

I've never understood how that works.
If you get an insurance quote they ask you if you've made a claim in the last 3 years - and you'll have to answer yes, even if you do have protection.
Does that not go against you ?

Rhubarb.

Your no claims protection protects the discount applied to the premium. The premium set by the insurance company is dependent upon the type of car you drive, number of points on your licence, whether or not you have crashed in recent times etc...

So if you crash it will go up irrespective of protected no claims..

[EternalOptimist]

Your no claims protection protects the discount applied to the premium. The premium set by the insurance company is dependent upon the type of car you drive, number of points on your licence, whether or not you have crashed in recent times etc...

So if you crash it will go up irrespective of protected no claims..

when I applied for the insurance, I was asked how many years no-claims. I was not asked about crashes . There was no definition of no-claims.

So I am in the position of having never claimed for myself, but having been in a collision that I dont think was my fault. At the time I applied for my current insurance cover, I had been told that the collision wasnt my fault and that there would be a court case

[Pogle]

when I applied for the insurance, I was asked how many years no-claims. I was not asked about crashes . There was no definition of no-claims.

So I am in the position of having never claimed for myself, but having been in a collision that I dont think was my fault. At the time I applied for my current insurance cover, I had been told that the collision wasnt my fault and that there would be a court case

Were you distracted by your pepperami at the time?

[Ravello]

when I applied for the insurance, I was asked how many years no-claims. I was not asked about crashes . There was no definition of no-claims.

Really? That's quite unusual! Usually insurance companies will ask about collisions rather than no claims, they will also include 'non fault' collisions in their questions - though they are not *supposed* to use that information in determining the premium.

So I am in the position of having never claimed for myself, but having been in a collision that I dont think was my fault. At the time I applied for my current insurance cover, I had been told that the collision wasnt my fault and that there would be a court case.

Not sure I follow exactly.. Have you changed insurance co. since your bump last summer then? Or do you just mean this year's premium from same co?

If the latter I suspect you will lose your no claims discount (unless protected); 50/50 cases result in both insurance co's splitting the cost irrespective of the claimant. I.e. in your example your insurance will pay £350 as will the other party's.

[EternalOptimist]

Were you distracted by your pepperami at the time?

No, some GP changed lanes and pulled into me, we touched wheel arches and I stopped. He carried on and got his whole side scored, I had a little mark on my bumper.
To add insult to injury, he wrote his details out on a bit of card that was a box for some tablets. The prescription was for himself and said 'do not drive'

I am in two minds, part of me says forget it, the other part say's life in prison seems fair, the swine