Road Accident

[Hemi300c]

No reckless or negligent driving. Thank you for the advice. I am not claiming from my insurance because I have been claim free forever.
According to the insurance , even if the person who has right of way does not take the necessary precautions ( whatever that means) they are liable for the accident.

1) When there is an accident and you are insured, always work through your insurer and broker.
1.a) If the TP fault is shouldn't affect your premiums unless you are insured through a cr@p insurer.
2) How long ago did this occur
3) It might be too late to submit a claim through your insurer
4) How much is the damage

 

[melr01]

Mind boggling, why have insurance and never claim from it, just for the sake to say "I have never claimed from my insurance" seems rather pointless to have insurance at all then.

I still have the option of claiming from my insurance. I have not had the NEED to claim before. We have been blessed not to have been in an accident. We have more than one vehicle , again blessed and they are all insured

 

[RedViking]

Do actually have insurance. I just refuse to claim from.my insurance because premiums increase and in the 15years that I have PAID ALL MY PREMIUMS, I am CLAIM FREE

That is the dumbest thing I have read on the Internet to date.

Who pays for insurance for 15 years and don't use it.

 

[RedViking]

I still have the option of claiming from my insurance. I have not had the NEED to claim before. We have been blessed not to have been in an accident. We have more than one vehicle , again blessed and they are all insured

Just claim from your insurance and move on. It's not a competition. You don't win any hoodies in this.

 

[melr01]

That’s literally madness. I’ll provide you insurance too. Cheaper premiums and all. Will be free money since you’ll never claim.

Insurance companies who put up that whole no claim bonuses are scamming people and you’ve fallen for it.

Amazing.

I don't need cheaper insurance I already get a good discount through my employer

 

[melr01]

That is the dumbest thing I have read on the Internet to date.

Who pays for insurance for 15 years and don't use it.

People who are honest and don't have accidents are not dumb. I do have the option of claiming.

 

[RedViking]

People who are honest and don't have accidents are not dumb. I do have the option of claiming.

You actually have the most expensive insurance because you don't use it.

You already pay PAYE to the government and get no return, why do it to yourself deliberately as well?

 

[droidx]

That is acutally correct, if you see that you are going to be involved in a accident and you don't try your utmost best to avoid it they can deny the claim, not the first time I have heard of this.

Hint, you should have put in claim with your insurance company, now you pay for your premium and for the repair of your car, not a win win situation.

This point boils my blood to this day.
You are correct.

My first accident a few years ago:
Double lane circle, old guy on the inside lane driving extremely slow, me on the outside lane. As we are exiting the circle he suddenly turns into my lane. Instinctively I turn away, problem is there is a raised pavement so all that happens is that I hit that and my car bounces back into his car.
Verdict: when I enquired about excess recovery, they indicated that the accident was my fault, due to me making impact with the other driver. Alternative option was not to react and hit him, then the above would apply. It happened to suddenly and close proximity that breaking would result in the second option anyway.

Second accident, this one is somewhat relevant to the OP:
My car was parked and a third party reversed into me.
I was not parked illegally, so I thought it is clear cut and tried to claim from his insurance who is the same as my insurer. After a week I could see that I was being messed about and claimed from my own insurance.
I asked my broker what the impact on my premiums will be. They said it will increase even if the excess is recovered, which it was. (Final invoice was only R18k, but it counts as a claim, they don’t care how much).

Latest accident (2 days back):
A bakkie obviously didn’t tie down his contents correctly, a mattress goes airborne and I’m driving in the middle lane of a 3 lane highway. It lands on the car in front of me, goes airborne again and lands directly in front of me, cars to the left and right, I chose to rather hit it. Noticing all of this, I slowed down and by the time of impact I’m probably down to around 40km/h. Ended up with a dent on the bonnet and lodged a claim.

To the OP, if you’ve paid insurance for 15 years, so that in a situation like this you’d be covered whether it was your fault or not.
You can choose to fight this and maintain your claim free record and premium or use the product you’ve been paying 15 years for.

 

[Former member 61586]

Don't claim. You are in the right. Keep your insurance record clean.

 

[RedViking]

People who are honest and don't have accidents are not dumb. I do have the option of claiming.

I didn't say you are dumb. I said what you posted is dumb.

In the future let your insurance and broker handle it. Claim as much as possible within the limits of your policy.

 

[dillinger]

I still have the option of claiming from my insurance. I have not had the NEED to claim before. We have been blessed not to have been in an accident. We have more than one vehicle , again blessed and they are all insured

If the claim has not gone stale yet, like you did not follow all the procedures set down by your insurance company and time frame.

 

[Priapus]

I didn't say you are dumb. I said what you posted is dumb.

Don't be dumb. In the future let your insurance and broker handle it. Claim as much as possible within the limits of your policy.

No no, we must pay a company every month to make sure we never use their services.

 

[DapperDanMan]

We have been blessed not to have been in an accident.

Allah's good graces do not usually have an expiry date of 15 years.

Have you examined the possible reasons why you have fallen out of favour with Allah?

 

[Went_For_Beer]

Should you not report any accident to your insurance regardless if you claim or not?

 

[Former member 61586]

Should you not report any accident to your insurance regardless if you claim or not?

This ^. i.e. it will affect your premiums going forward regardless if they (insurer) have to pay for it or not.

 

[RedViking]

This ^. i.e. it will affect your premiums going forward regardless if they (insurer) have to pay for it or not.

No it won't.

 

[Lupus]

This ^. i.e. it will affect your premiums going forward regardless if they (insurer) have to pay for it or not.

No it won't effect your premiums going forward, you report it for record purposes, if it's third party it definitely won't effect you, if you claim and it's your fault it will.

 

[Former member 61586]

No it won't effect your premiums going forward, you report it for record purposes, if it's third party it definitely won't effect you, if you claim and it's your fault it will.

LOL. It will absolutely affect your premiums as your risk factor is affected. If you are hi-jacked it's not your fault either. Hell, majority I think of claims are for things that are "not the insured's fault".

 

[RedViking]

No it won't effect your premiums going forward, you report it for record purposes, if it's third party it definitely won't effect you, if you claim and it's your fault it will.

No it won't. Only if you claim often, in other words become a high liability, or claim for something substantial. Policy should remain the same, unless it has those so called no claim bonus they use to discourage you from claiming. Fortunately santam had no such rubbish.

 

[RedViking]

LOL. It will absolutely affect your premiums as your risk factor is affected. If you are hi-jacked it's not your fault either. Hell, majority I think of claims are for things that are "not the insured's fault".

No it won't.