I have been hit from behind whilst stopped at a crossing - will I lose my no claims if I inform Insurance co?
Answers:
No if it wasnt your fault.
You shouldnt.it wasnt ur fault
a similar thing happend to my mum she diddent lose her no claims but because she was the one who got hit she got £500 compensation
I hope you got a police report, if so and the fault was the other guy, you don`t have to tell your insurance. Well, i wouldn`t.
If its a clear as it sounds, then you wont because the person behind is responsible.
you are supposed to inform your insurance company of all accidents, certainly those incvolving another vehicle, provided the guilty party - the car that hit you - is insured and admits liability then all costs will be payable by their insurance company. Even if your insurance company pays for repairs to your car, and then retrieves the money from the other driver, you won't lose your no claims.
You shouldn't do - but I hope you got names of witnesses.
It is illegal to not inform your insurance company, anyway - so go ahead. Regardless of what information you have, legally, you have to tell them.
You shouldn't! If a driver hits you from behind it is enirely THEIR fault, but the best way is to get protected no claims. Unfortunately some companies need a minimum of three years no claims before they will even consider protectoin and then they will charge a small amount for this privilige. Hope you are OK by the way!
no you will not lose out because you cant be at fault for being hit from behind.and you will be able to claim from other party,any losses you may incurr,due to the accident,ie damage to your car,personal injury,loss of earnings etc.you can still claim this if you are not insured fully comp.
NO you won't lose your no claims because it was not your fault. However, consider protecting it to be absolutely sure and for peace of mind. You should see your doctor for a physical ASAP or go to A&E. If you are suffering flashbacks and poor sleep/eating also advice your GP accordingly.
You are virtually guaranteed a minimum of £1000 compensation for neck/chest/whiplash pain. In addition you are entiltled to compensation for being off sick at work and losing unsocial hours (if you get that at work). If you used taxis/buses/hired a car you can also get compensation for that.
Consult a reputable Accident Lawyer for further details on a no win no fee basis. Alternatively, claiming via the other driver's insurance compensation department may be better. This cuts any middle men and usually resolves the matter speedily provided there is a clear and unambiguous admission of fault.
no it wasnt your fault.
If they are not protected (under 4 years) - yes it's possible. Even though it wasn't your fault expect your preumim to go up, I know it's stupid but when my mum done a quote fo her car. She had an accident say 2 years ago same position as you, on stop and hit from behind. For example say the quote was £250 but saying no to accidents, then once said yes to accidents, she picke the one not your fault, it went to £300, did the same thing saying it was her fault and it still went to £300.
The other driver's insurance should pay for the damage to your car, so you won't lose your no claims bonus.
no it was the other drivers fault but u must inform your ins co
this happened to me you claim off the other drivers ins
some say theyhave an arrangement knock for knock as you did not agree to this you should not lose your no claims
claim off his ins for hire of car while yours is being repaired
did you have whiplash as you could claim for this if you went to your doc
I think No Claims is at-fault claims specific.
It really depends on the company and what market they put you in..
Yes, it could remove the discount for being clean for years when you have any activity in your driving history. Studies show even at naf accident results in the fact that something else might happen.
Or no, the company may decide that you've been with them for a while, and it won't affect your rate.
If your insurance company pays for the accident, it's possible that you WILL lose that claims free discount.
Try to go through the other guys company. Call them yourself and turn a claim in on his behalf.
You shouldn't do as long as the other person doesn't start saying you stopped suddenly for no reason (which before anyone shouts it has happened at roundabouts) But get your no claims protected for the future.
If you were hit from behind then it is the fault of the other driver. You shouldn't lose your NCD. If you are making a claim and you do lose your NCD, inform your solicitor and get them to deal with it. It's not your fault.
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