Can I offer to pay for damage to a another car to avoid loosing no claims discount. Its a very small dent?
Answers:
Isn't this why people pay for insurance? Or are you not insured and worried about getting in trouble with the police?
yes
YES!!
yes. After repair is done, be sure that you have the other person sign off that he is satisfied with the repair and no further action will be required.
sure, t's done all the time.
You can offer, it's up to them if they accept. You're required to provide insurance information if they request it.
Yes I believe you can - you need to talk to the other person and see if you can come to an amicable agreement.
Yes you can offer to pay it out of pocket, but keep in mind, that even if you do that, the other person can still file a claim against your insurance. Some people are out to get anything they can out of people. You might want to have a statement notarized saying that you are paying for the damage out of pocket and that they agree that they will not pursue any claims against your insurance for any other money, such as punative damages or suddenly claim a fake injury to try to get more money out of you. It might not work with your insurance company, but if the other party decides to take you to court, you will have something to show the judge. Also, make sure you take a before and after photo of the damage and the repairs, and keep them for your records, that way they can't show a totalled car and claim you did the damage. Just be aware, some people will try to get every thing they can from you and protect yourself!
Yes you can but beware even a very small dent can be very expensive.
Yes but make sure he is happy about it and does not inform your insurance company or you could lose your no claims anyway , they only have to know that you were in an accident it does not matter who is at fault
You can. Its up to the other person to accept or not.
You can certainly elect to pay for the damage, but you "should" also inform your insurance company. Most policies state that they need to be informed of any "Damage" incident, regardless of whether a claim arises. Of course, if they don't pay out, your no claims will remain untouched.
Yes you definitely can especially if you don't have 'no claims bonus protection'. Just be careful that the owner of the car you dented isn't seeing an insurance claim as a way to fix other dents that you didn't do. If she/he is a good honest person, she/he won't want to do a claim as it still effects their insurance . even though it wasn't their fault.
yes.but you're at the other party's mercy.if they want to file you still have to give up your insurance info.
oh yes my brother!
If an officer of the law made an accident report out, then no matter if you pay off the other party.you're gonna get penalized by the insurance co.
yes, it would be a waste of time for the insurance company and a waste of your money with a rate increase. Pay now and all is forgiven
good luck..lol
Of course. In fact most people would rather you paid out of you own pocket rather than go through insurance. Many insurance companies take a few weeks to sort small damages, and many use one repair shop that they get a cheep rate at which can extend the wait for a repair longer if that shop has a lot of work on.
Ring the owner of the damaged car, tell them you intend to pay out of your own pocket and tell them to to get you a qoute from their local repair shop. Get the qoute and if your happy with it, just tell them to go ahead and get ot fixed and address the bill to yourself.
I done that before. Write an agreement of settlement, carbon copy with full details eg. place of accident, date and time, draw a simple map of the road wher accident took place, amount agreed as settlement and sign by both parties. He will keep yours signature and you keep his signature copy. Hope this is clear to you.
the answer is yes you can
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