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Insurance advice after crash
#1
After some advice on what to do now with the van. Had an incident on a roundabout where i got side swiped. Won’t say who’s liable at this point as im just starting the insurance claim process.

For what its worth market value wise, is it worth claiming the damage off of my insurance? I reckon it might be a write off due to the sill being crumpled in.

Have posted pics for you to view. [Image: f60086b649a26bb88130e3492be95efc.jpg][Image: a230a6f18290ae4390586f7b879bc781.jpg]


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#2
From an assessors viewpoint it looks like a write off, in which case - is the other guy going to claim?
If not, then it's probably not worth you doing so. A claim will affect your premiums of course, and spoil your insurance record.

Have you considered just running the van as it is? That could be the cheapest option, while you take your time looking out for a good replacement. You would still get some money back when you sell it, as long as it has a reasonable Mot left.

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#3
If the other driver does not claim have it repaired yourself or just keep as it.

If they do claim the insurance will wright yours off defo but you could ask to keep the salvage as part of the deal - a new mot and shes a goer - ive done this before and drove round in a cat C for years.

What ever you do DO NOT give let the insurance company collect the vehicle for assessment or you will never see it again!
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#4
What a rip off insurance policies are!

As Doofer says, any bump, however minor, should be notified to your insurers - and the Police. But minor scrapes are often ignored by both parties, and for very good financial and practical reasons.

It is a rare insurer who will say, 'We've noted your report but as you are not claiming it will have no effect on your discount.' Many insurers will treat any reported accident, however minor, as a reason to dock some of your hard-earned discount - treating your report the same as if you'd claimed.

Even those insurers who state that just reporting a bump without claiming will not affect your Ncd will raise your premium at renewal time. They're not in business as philanthropists, and will squeeze you for every buck they can get.
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#5
(24-04-2018, 07:56 PM)doofer Wrote:  You do not have to report a collision to the police unless someone is injured.

To clarify that - you must report an accident to the Police, however minor, where another vehicle is involved even when there are no injuries, unless you have exchanged details with the other driver at the time. Here's the official blurb:

You must:
  • Stop and remain at the scene for a reasonable period
  • Give your vehicle registration number, your name and address, and that of the vehicle owner (if different), to anyone with reasonable grounds for asking for those details
  • If you do not exchange those details at the scene, you must report the accident at a police station or to a police constable as soon as you can, and in any case within 24 hours.
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