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      02-20-2017, 05:04 AM   #1
LeMansBlue330d
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Insurance Job or Not?

Just been hit by a works van not sure whether the damage warrants going through insurance or not. Pics attached.

3 lane A road, I was already half-way changing lanes from 1st lane to middle lane when he hit me whilst he was switching from middle lane to the 1st lane. The driver said he was looking in his nearside door mirror for more cars, but in doing that he didn't see me and hit me on offside rear bumper.






Links to pics here:
http://www.pinkbike.com/photo/14430425/
http://www.pinkbike.com/photo/14430426/
http://www.pinkbike.com/photo/14430427/
http://www.pinkbike.com/photo/14430428/

Has anyone had a similar repair just to see if it justifies insurance or not. My excess if 250.
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      02-20-2017, 05:23 AM   #2
jamherber
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If he's admitted liability then definitely go through the insurance as you'll get your NCB back.

If not then just get a rear bumper from ebay or similar (might even find one in the right colour) and it'll be about hours labour to fit - aside from your excess, you'll have increased premiums for the next 5 years if you go down the insurance route.
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      02-20-2017, 06:08 AM   #3
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seems like a simple bumper job.

If he has admit to it see if you can agree a cash price to resolve your issue without insurance. As stated by jamherber you will have chance of increased premiums and hassle.

Had someone go into the back of mine once and agreed at 250.
Managed to find the same colour bumper on ebay and fitted myself within 20mins
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      02-20-2017, 06:41 AM   #4
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As above have mentioned I would see if there is an amicable solution outside insurance. Claiming on insurance is always a lose/lose regardless of who is at fault as you can almost guarantee your premiums will increase.
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      02-21-2017, 09:19 AM   #5
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Quote:
Originally Posted by imy View Post
As above have mentioned I would see if there is an amicable solution outside insurance. Claiming on insurance is always a lose/lose regardless of who is at fault as you can almost guarantee your premiums will increase.
+1, but I would want a cash settlement in the bank within 48 hours. Leave it longer than that and any promise to settle outside of insurance is likely to evaporate. Was the driver the owner or just a driver? If he was just a driver I would claim on the insurance as you are unlikely to get a quick settlement, unless you are prepared to do the work yourself on the cheap and risk the chance that someone agrees to settle outside of insurance and then back tracks.
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      02-21-2017, 09:37 AM   #6
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it might be worth taking on the chin as if it goes insurance with this particular scenario as i've seen before it will go 50/50 as there is no way of proving who is at fault without any dash cam/ witness statement. then you'd both loose out!
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      02-21-2017, 03:43 PM   #7
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from what ive read in your post your both at fault ..both of you changing lanes when it wasn't safe to do so ....if your dealing with a WORKS vehicle I would imagine they would want it to go through your/theirs insurance...and they would class it as a 50/50 so you both lose,
I personally get some prices for repair at a few local body shops and take it from there..any damage to works van?
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      02-21-2017, 04:04 PM   #8
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As others have stated see if you can get cash for it nice and simple and then get a bumper and fit it yourself. Insurance is more hassle and more expensive in the long term but as it's a works van then might have to anyway.
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      02-21-2017, 06:01 PM   #9
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From past experience I avoid insurance at all costs if possible. Even if it's a clear none fault claim your insurance will go up, plus your mrs's and any other cars your insured on for 5 years. I once got bumped in a car park, small amount of paint to my back bumper and after all the insurance increases from a none fault claim we were well out of pocket!

Speak to the company, we have quite a big excess on our vans so they might want to settle outside insurance I know we sometimes do. If not I'd be looking into a bumper from a scrap yard, I know you'll be out of pocket but it'll save you money in the long run
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      02-22-2017, 04:54 AM   #10
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I was once driving on a country road with a few cars behind me. My turn off came, I indicated and proceeded to turn, at the point a pick up truck had caught up and decided to over take on the wrong side or the road. I was hit at quite some speed, as was in the middle of nowhere had to wait ages for ambulance. The police had charged the driver. I didn't claim however as my car was a beater I was using whilst my car was in the garage so thought no point.
Insurance company calls me a few weeks later stating that even though I hadn't claimed, the nature of the accident meant I was far more likely to be involved in a serious accident and that my premium had increased 400. Unbelievable.

Since that day I try to avoid insurance at all costs.
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      02-22-2017, 10:17 AM   #11
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Just got off the phone with my underwriter, and they have said the 3rd party are claiming it a 50/50 as we were both changing lanes. And because the 'information' is on record at both sides of the insurance, our premiums will surely go up (even if I don't make a claim!). So, now, should I still go through insurance or try to settle outside of insurance?
The 3rd party driver was just a driver of a works van. Corner bumper damage not as bad as mine.
If the info is already on both side's insurance, we'd unlikely able to 'remove' that info now as it has been recorded and I cannot see them deleting this from their systems.
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      02-22-2017, 10:32 AM   #12
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Link to their damage:
http://www.pinkbike.com/photo/14437929/
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      02-22-2017, 10:58 AM   #13
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Considering your damage is on your rear and his on the front, he hit you and should have seen you.

If it were 50/50 I'd expect damage to the sides of the vehicles.

Just my 2 cents.

Anthony
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      02-22-2017, 11:57 AM   #14
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Quote:
Originally Posted by Rustymage View Post
Considering your damage is on your rear and his on the front, he hit you and should have seen you.

If it were 50/50 I'd expect damage to the sides of the vehicles.

Just my 2 cents.

Anthony
thats the logical approach but not how insurance see it.

you could argue that the OP had the van in their blind spot and didnt see the van hence the bump (not saying this is the case)

You might aswell go through the insurance as it will now affect your premiums anyway since both insurance companies know. at least it'll be a propper job then rather than a second hand bumper filled & sprayed
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      02-22-2017, 01:39 PM   #15
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Quote:
Originally Posted by Jamie_E92 View Post
thats the logical approach but not how insurance see it.

you could argue that the OP had the van in their blind spot and didnt see the van hence the bump (not saying this is the case)

You might aswell go through the insurance as it will now affect your premiums anyway since both insurance companies know. at least it'll be a propper job then rather than a second hand bumper filled & sprayed
I agree insurance is the route.

Any damage from behind is auto the guy at the backs fault so in this case I'd push a little harder against their decision.

Can't loose anything.

Regards
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      02-23-2017, 03:32 AM   #16
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If it's already on file you may as well claim through the insurance tbh now.
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      02-23-2017, 05:13 AM   #17
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I have put in a claim of non-fault, and will argue that he hit me from behind regardless of switching lanes from both parties. See what happens.
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      03-01-2017, 06:10 AM   #18
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Just rang the underwriters and they said no claim has been made from me or from the 3rd party. So, do I get quotes from repairers and do this myself....or?
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      03-01-2017, 06:31 AM   #19
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I've always understood that hit from behind to be clear cut not your fault.

No claim may be made, but be cautious as notification to insurance still counts.

My example from 2011:- stopped on flat (not with foot on brake) and Porsche shunts me from behind. P@ssing down and dark, so can't confirm damage.

We exchanged and thinking it was best to tell insurance in case they did and tried something stupid like I reversed, I called and left it at pending an inspection at my garage.

In the end, no damage; my car (BMW E46 by the way) had been shunted at the strongest point of the rear bumper.

Made it clear to insurance, nothing to claim for and yet this still stayed on my record as a zero cost claim!

So if not going insurance, be very clear that this accident will not stay in anyway recorded.
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      03-01-2017, 07:03 AM   #20
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Thanks smuler, I will make sure of that when renewal time comes around.
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      03-01-2017, 07:09 AM   #21
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Anyone know of any good BMW approved (not sure if this makes any difference) bodywork repairer South Manchester region? Gonna try BM Tec in City Centre for starters as they did my bonnet once.
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      03-01-2017, 07:45 AM   #22
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your insurer is being lazy. Tell them you wont accept a 50/50 and remind them he was behind you.

If they wont get their arse in gear use Europa consultants (anniesdad on Pistonheads).
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