So how do you answer the question, then Loz?

I can only speak from personal experience.

actually SWMBO having been involved in a couple of accidents that were not her fault (a driver in tesco reversing into her whilst she was stationary who would not admit liability, and a dangerous driver actually running her off the road and speeding away!)

When I asked about impact on the insurance premium the insurer said they could not say it would not affect the next years premium. The thing is that risk assessment that goes into the insurance quote is done without any consdieration of who's fault anything may have been....if you have been invovled in an accident, they see it more likely that you may be involved again (go figure!) and they still have to deal with the admin cost etc of dealing with that accident regarldess of the fact that you may have claimed on someone elses insruance (yeah, I know it should be part of the premium anyway!).....

I'm not arguing the rights and wrongs of it, but certainly those are the sort of comments my insurer made. In reality I did not see a rise in insurance premimum as much as I would expect and the car was changed anyway, so different premium altogether.......

If you are asked 'have you or any driver been involved in an accident in the last 5 years', and after being involved in an accident, even if it isn't your vehicle it could even be a company car, you answer no then you've just invalidated any policy they may choose to give you simple as that.

Some companies will give you option of specifying who was at fault but it still has to be declared.

A good many years ago I was involved in a 3 way accident, stopped in traffic behind another car I was hit from behind buy a Pug 205Gti which pushed me into the chavalier in front not only writing my car off but also the one in front. The insurance companies offer a 'knock for knock' system which meant that although completely innocent my insurer had to pay out for the chavalier and then attempt to recoup the cost from the GTi drivers insurance which quite some time. During this time my NCB was removed and I had to pay full price for my insurance.

Some companies may choose not to pursue the 3rd party or in fact cannot recoup the costs in which case the cost of repairs is left squarely in your insurers lap and hence it becomes a 'fault' claim.

If you are asked 'have you or any driver been involved in an accident in the last 5 years', and after being involved in an accident, even if it isn't your vehicle it could even be a company car, you answer no then you've just invalidated any policy they may choose to give you simple as that.

Some companies will give you option of specifying who was at fault but it still has to be declared.

A good many years ago I was involved in a 3 way accident, stopped in traffic behind another car I was hit from behind buy a Pug 205Gti which pushed me into the chavalier in front not only writing my car off but also the one in front. The insurance companies offer a 'knock for knock' system which meant that although completely innocent my insurer had to pay out for the chavalier and then attempt to recoup the cost from the GTi drivers insurance which quite some time. During this time my NCB was removed and I had to pay full price for my insurance.

Some companies may choose not to pursue the 3rd party or in fact cannot recoup the costs in which case the cost of repairs is left squarely in your insurers lap and hence it becomes a 'fault' claim.

Yep, you're spot on.

If you're hit and run or hit by an uninsured driver even with witnesses it's again a `fault` claim.

Remember it's a `no claims` not a `no fault` discount. Also IIRC motor insurance research showed you were more likely to have an accident after a non fault than a fault accident, so I'd guess it would increase your risk to increase the premium.

FWIW you also can't use your legal cover to go after your own insurance company in many cases.

Glad to hear you are sorted mate....

I had a lovely little old dear bang her auto into reverse at a junction and reverse into me. " so sorry sonny, been struggling with auto****ic thingy for days, its new you know"

...bless.....

insurances swapped.....she then tells her insurance I ran into her!!! I suggest to mine we go to court and get her to lie on oath, to which my insurance say " on the balance of probabilities, with damage to the front of yours and damage to the rear of hers, you'll struggle "

I end up settling for 50/50...:mad::mad::mad:

if only everyone drove like me!!

more bad news, had a real good check around the vehicle at work today and found the nsr alloy and tyre damaged too. it didnt feel to good on the drive to work with the back end wanting to slide round at every oportunity... things dont look good any ideas?

With reference to the accident question. i was asked today had i had any accidents in the past three years to which i reply i was involved in a non blameworthy 15 months ago when a van hit me. they were happy with it as they were able to claim back the money from the third party. the only thing that they are interested in is if you are a liability in the sense you cost them money.

ive noticed another problem on way to swmbo's and more on the way home, if i turn right the back end seems to want to come round quick and steering right is light however turning left it just doesnt feel right feels a bit heavier. could there be more damage done considering it mounted the kerb at 5-15mph with brakes on (abs on full effect)

ive noticed another problem on way to swmbo's and more on the way home, if i turn right the back end seems to want to come round quick and steering right is light however turning left it just doesnt feel right feels a bit heavier. could there be more damage done considering it mounted the kerb at 5-15mph with brakes on (abs on full effect)

get it checked out when it goes in for the estimate. Many people get involved in minor RTIs and then claim for "a million tiny little problems that have beset their car since purchase" which is why our insurance premiums all cost so bl**dy much now.

I'm not suggesting for one minute that you are one of these people, but you can bet the other driver will accuse you of adding bits onto your claim.

Leave it to the garage to sort out - I'm sure the whole lot could easily be sorted for less than £200...

thats what im going to do when i get to the garage shortly is explain it to them it might be something stupid like the tracking being out. but i think im going to get rid of it quite quickly as i no longer feel safe in it knowing its been pranged.

back from the garage. the list looks like this 2 new alloys possibly one new nsf tyre and indicator lens for os mirror. no under body damage but they will set the car up on the geomotry thingy once it goes in to make sure its straight etc and do the tracking. i explained the problem about turning and he said it could be the tracking even through the steering isnt shaking. i feel much better knowing what needs to be done now, i also asked about driving the car about and he cannot see a problem even through i did have to pump up the nsf tyre this morning as it looked a bit flat.

Sorry to hear about your misfortune. Is not selling the car a little drastic since what you descibe is hardly a major accident/prang. Once repaired it should be more the fine and safe to drive. If it had been a major front or rear end collision then I could understand not feeling safe in it when repaired. All you have really done is mount the curb so at worst damaged the suspension arm and damper. If these are replaced then car as good as new. I hit a very large rock in an old Uno I had many years ago which bent the wheel, suspension arm and damaged the damper. All these were replaced and the car drove fine for many years after. Selling a car you seem to like over a minor altercation like this seems a little silly (and considering all the money you loss on depreciation etc.).

Sorry to seem a bit harsh above but just thought a little slap of reality/perspective may help!!!!!

Hope you get it all sorted soon

i can see what you are saying but ALL other cars ive had in the past that have been involved in accidents have ended up back on the dealers forecourt as it doesnt feel the same. yes i will wait to see what happens with the repairs but im not holding my breath as i will know what i know.

Can you guarantee 100% that a new car has not had a little ding, in the compound, on the delivery truck or even at the dealers before you collect it?

Providing the repair is done correctly you wouldn't be able to tell.

Can you guarantee 100% that a new car has not had a little ding, in the compound, on the delivery truck or even at the dealers before you collect it?

Providing the repair is done correctly you wouldn't be able to tell.

im not talking about a ding. n/s door has a ding but doesnt affect my driving. my experience of the car being in accidents meaning body shape not a dint in the bonnet..

I explained to the guy this morning about how the car feels when driving and he mentioned gjigging with a geometry thingy, my experience of jigging has not been a good one as the car never is the same again.

how do i check to see if the damper or suspension is damaged as someone mentioned above?

I new mine was damaged on the Uno because I had a lot of tramping occuring when I turn right from standstill. Also when you went around and pressed each corner the one that was damaged felt different and seem to spring a bit more. Hope this helps.

i can see what you are saying but ALL other cars ive had in the past that have been involved in accidents have ended up back on the dealers forecourt as it doesnt feel the same. yes i will wait to see what happens with the repairs but im not holding my breath as i will know what i know.

It's a mental thing.

Same happened to me with my first car that I smacked badly. Never felt right, despite 3 garages inspecting it and saying it was 100% OK - as didnt believe the repair centre.

im not talking about a ding. n/s door has a ding but doesnt affect my driving. my experience of the car being in accidents meaning body shape not a dint in the bonnet..

I explained to the guy this morning about how the car feels when driving and he mentioned gjigging with a geometry thingy, my experience of jigging has not been a good one as the car never is the same again.

how do i check to see if the damper or suspension is damaged as someone mentioned above?

To be fair to body shops, if you get a good one they can probably have it straighter than when the car was new. Don't forget a chassis will have a tolerance on it, so if a body shop puts it to spot on what it should be that could be better than before it needed the work.

If you're really worried it isn't spot on, then I'd maybe get new wishbones etc, but I'd not sell the car. Still at the end of the day if you wish to sell the car then that's your call

It's a mental thing.

Same happened to me with my first car that I smacked badly. Never felt right, despite 3 garages inspecting it and saying it was 100% OK - as didnt believe the repair centre.

yes it probably is... i will wait to see what they will do and how it comes out and go from there.

had the car rental people on the phone today asking when i want the courtesy car from and to (asking when its in for work) said i didnt know and got the attitude well why dont you know!!! found out i can have a like for like car..... ready for it ...... like for like so octy 2.0 car is a like for like for a vauxhall vectra 1.8 .... how is that like for like apart from size? i supose its better than what i last had a corsa 1.0l but not as good as ther old days of getting 2.0's and turbo diesels when i had a 1.4

To be honest mate, I think you're overreacting to a degree. Have a look at my car.

Before...

this is how it stands at the moment...

Once it's been checked and MOT'd it'll be fine. I know it will. It must be nice to be in a financial situation where you can afford to throw your car away after a minor "incident" - I take it you only ever buy brand new cars?

(btw, I'll give you market value for your car less about 40% becuase it's been involved in an accident lol)

Edited 11 July, 200817 yr by jonnycatbiscuit
typo

To be honest mate, I think you're overreacting to a degree. It must be nice to be in a financial situation where you can afford to throw your car away after a minor "incident" - I take it you only ever buy brand new cars?

(btw, I'll give you market value for your car less about 40% becuase it's been involved in an accident lol)

You really think i can afford to go buy a new car whenever? i saved up for 7 years for this car and still had to partly get fianance, so how dare you suggest that. Its my first ever brand new car and probably will be my only unless i win the lottery. I was saying that if it doesnt feel right after everything is done i will get rid of it and probably end up with buying some 2-3 year old car as like ive mentioned above i wont be able to afford a brand new one again. but sure if you want to buy it its being offered now for a great price of £15k

look im guessing this thread is going no where with useless comments like yours, i was looking for advice not to be pre judged on my financial situation.

To be honest mate, I think you're overreacting to a degree. Have a look at my car.

I kinda get where the OP is coming from. I guess it's a similar situation to people who have had their house broken into and no longer want to live there.

Once it's been checked and MOT'd it'll be fine.

Although the car isn't old enough for an MOT I do agree with you, chances are once a reputable body shop has worked on it then it'll be fine.

I kinda get where the OP is coming from. I guess it's a similar situation to people who have had their house broken into and no longer want to live there.

Although the car isn't old enough for an MOT I do agree with you, chances are once a reputable body shop has worked on it then it'll be fine.

Yep, I can see the point about not wanting to live in a house after it's been burgled, but I still think it's an overreaction to throw money away by selling the car after it's been repaired. Most reputable bodyshops will repair the car perfectly; and if you try to sell a car that's been in an accident, you'll lose LOADS of money!

I certainly didn't mean any offence by the "throw it away" comment, nor did I mean any offence - I just thought along the lines of any second hand car you buy could easily have been involved in an accident akin to yours, and you'd never know. If you didn't know, you'd be perfectly happy driving it, wouldn't you?

No offense mate, just my opinion... (I don't mind driving around in a car that's been repaired, as long as I've done the repairs, or know who has done them...)

John;)

its in thursday, asked for how many hours (knowing what needs to be done) she said 3-4 working days :eek: as the geometry takes a long time. how long does geometry take? i can see the wheels being done in 30 mins to one hour and change the lens cover in 30 mins, so how long does it take to set up the geometry and do all the tests and adjustments?

its in thursday, asked for how many hours (knowing what needs to be done) she said 3-4 working days :eek: as the geometry takes a long time. how long does geometry take? i can see the wheels being done in 30 mins to one hour and change the lens cover in 30 mins, so how long does it take to set up the geometry and do all the tests and adjustments?

To be fair to the company here - They are giving time for if they have any problems while sorting the car. This allows them to contact you and fix all the problems while getting the car back to you on time.

Then if they do happen to finish early - They will give it a wash

Sorry to hear about what happened to your car. I'm glad it's nearly all sorted.

no i dont want them washing it, done that today dont want a fish brothers skoda job done :(

ill ask them nicely when they pick it up not to wash it lol.