Car Accident Advice

Katelknaap said:
Let's just agree to disagree as you are clearly of the opinion that any third party can log a claim against any insureds policy and I'm saying only the insured (or his authorized broker on his instruction) can do so.
(Obviously excluding executors of the estate where the insured might have passed away).
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You are confusing the lodging of a claim (a tracked event) with the processing of a claim that culminates in a payout.

Lodging it is no issue, it’s a simple matter of process. What happens beyond that has a great many variables that come into play before anything happens.

And I’ve done exactly this twice, so there is no further agreeing to anything required because I know it to be a fact.
 
Rayne said:
Nothing of the sort was implied. At no point in time did it concern claim payments. The question at hand was ones ability to lodge a 3d party claim with a 3d party insurer.
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Wait a minute. . . So all of this is about just lodging a claim and not necessarily about getting a payout? What is the point of it all then?
 
SauRoNZA said:
They can log a claim no problem, but it won’t ever get anywhere without your awareness of it , no.

No payment would ever happen without your approval. It doesn’t make business sense and it doesn’t make legal sense, short of some very specific circumstances I would imagine like if you had died on said accident or became otherwise incapacitated.
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I’m confused now. This is literally the same thing I have been saying and you have been offering a counter statement saying you can claim against someone else’s 3rd party insurance without them intervening.

So which one is it?
 
Insurance should be the last thing one cuts from their budget. It's the cheapest money you can access. It's very likely that the driver involved in OP's accident is silent because they are taking legal action to recover their damages, probably on the advice of their insurer. Driving without insurance is a massive risk - what if you crash into a supercar, or injure a pedestrian? At the very minimum one should have 3rd party insurance.
OP, in this situation should ASAP get a case number and affidavit of events in place (probably too late already) as it's almost guaranteed the other driver will come for damages. It doesn't sound like a provable fault of the other driver without clear evidence.
A ‘leaking radiator’ on a Tiguan could be the least of the damages, potential chassis damage and the bodywork alone would be in many 10’s of K. OP’s best outcome from this accident will be no legal and damages claim cost from the insurer - which will be unlikely. A very expensive mistake. Get insurance people.
 
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Yoztruly said:
I’m confused now. This is literally the same thing I have been saying and you have been offering a counter statement saying you can claim against someone else’s 3rd party insurance without them intervening.

So which one is it?
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Again, very big difference between lodging the claim itself without the insured and it actually being paid out without them ever knowing about it.
 
Yoztruly said:
I think you are misunderstanding what I am saying. You cannot just call my insurance and tell them you are claiming against my policy and they just say “okay, here is the money”. They will tell you that I (the policy holder) have to open the claim because I am the one with a contract with them. Once I (the policy holder) have opened a claim, only then will they engage you (the 3rd party).

Otherwise what would stop anyone from getting random number plates then matching to ID numbers and claiming against those people’s insurance policies?
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The fact that there would need to be evidence.
 
D said:
It reads like a threat.
A threat on their lives.
Once you have been charged with incitement to violence, you will appreciate the comma and its usefulness.
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Calm down.
Also,,,,,,, you can create one post with quotes,,,,, instead of four.
 
The Darkness said:
Insurance should be the last thing one cuts from their budget. It's the cheapest money you can access. It's very likely that the driver involved in OP's accident is silent because they are taking legal action to recover their damages, probably on the advice of their insurer. Driving without insurance is a massive risk - what if you crash into a supercar, or injure a pedestrian? At the very minimum one should have 3rd party insurance.
OP, in this situation should ASAP get a case number and affidavit of events in place (probably too late already) as it's almost guaranteed the other driver will come for damages. It doesn't sound like a provable fault of the other driver without clear evidence.
A ‘leaking radiator’ on a Tiguan could be the least of the damages, potential chassis damage and the bodywork alone would be in many 10’s of K. OP’s best outcome from this accident will be no legal and damages claim cost from the insurer - which will be unlikely. A very expensive mistake. Get insurance people.
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Er, the super car owner will have his own insurance definitely?
 
FakeAccount said:
Which then comes after you...
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Yup. The insurance company has lawyers and teams who go after their cost obligations. They’d never just suck up the cost themselves. Rear ending a super car uninsured would be a very expensive mistake indeed.
 
Yoztruly said:
Wait a minute. . . So all of this is about just lodging a claim and not necessarily about getting a payout? What is the point of it all then?
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The OP wants to know what he can do as he is sitting with a huge problem now and advise he is getting is pulling him in two directions.

Yes, he can phone the other guys insurer. No, that does not mean the other guys insurer will auto-pay his claim.

The point is that by submitting the claim to the 3d party insurer he has now logged the incident even if the insured was evasive or just being an *******.

You will in fact be surprised just how common this is, especially in the courier and transport industry where drivers are too scared to tell their supervisors they caused damage.

Some guys here really need to start thinking outside their own personal bubble.
 
The Darkness said:
Yup. The insurance company has lawyers and teams who go after their cost obligations. They’d never just suck up the cost themselves. Rear ending a super car uninsured would be a very expensive mistake indeed.
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What are their chances of success against someone with no insurance and even worse no insurance and a beat up car?
 
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