Who actually pays?

[ste.j]

If you are involved in a road accident and your passenger is injured but not severely (e.g few bruises. aches and pains etc).
The passenger then decides that they are going to put in a claim against you for negligent driving.

Who actually pays for the claim if it is paid out to them?

Does the driver pay or does the drivers insurance company pay?

If the driver is found to have been speeding at the time of the accident would his insurance company refuse to pay out and leave the driver to pick up the entire claim payment?

Has this situation arisen amongst any of you? (i.e Have any of you had a claim put against you? and has your insurance company settled the claim or deserted you?)

I ask this question as my son was involved in an accident as the passenger but is unsure as to whether he should claim against a close friend.

[Itchy]

Well seeing as insurance is a big pot of money paid out to those who need to claim , everybody pays but the driver will have his insurance loaded heavily for 5-6 years 1-300% is not uncommon, as the insurance companies and all insurance companies have a gentlemens (which is more than likely illegal) , to load the insurance of anybody who is involved in an accident.

Since this is a friend what do you value more? money vs friendship? , since you can certainly guarentee they'll hate you for loading their insurance ONTOP of the insurance loading they already had from the accident stated earlier.
____________________
Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[G]

The driver's insurance pays.

Most companies look at the total amount of the claim and base it on that.
If you're lucky, some companies will just ask if you've had a claim and not how much.

[Ste]

[Keir]

my mate crashed and his mrs claimed off his insurance. she got 2k. that more than paid for his insurance loading and a little weekend break too.....
____________________
Current : '08 Yamaha FZ1s
Previous: '99 Honda CBR 600FX, 03 ZX636 B1H, 99 Fazer 600 (red), 02 GSX-R 600 K2, 00 SV650s (red), 2008 ZX10R, 97 Bandit 1200N, 04 ZX6RR K1H, 04 GSX-R 1000, 98 Fazer 600 (gold), 05 Madness 110 Pit bike, 04 CR125R, 00 SV650s (black), 06 KTM 625 SMC, 99 SRAD 600 track bike, 03 SV650, 98 Bandit 1200N, Bandit 600SY, 03 GSX-R 600 K3, 01 GSX-R 600, 01 Fazer 600 (black), VFR 400 NC30 x3, 78 Honda Dream, 00 Speedfight 50

[Bella]

I use to work for a car insurance company and the injurys would be paid for by the insurance company.

Usually the insurance company will not take into account the total cost of the claims only if money was paid our or not (ie. fault or non fault accident and if any money paid out was claimed back from another insurance company) - basically it always comes down to if they have had to pay out, that is what is taken into consideration at next renewal.

Hope this helps.

[G]

[yambabe]

[Walloper]

No Claim Discount.
As it says, No Claim Discount.
If you Claim you lose the discount.
(Unless you pay for Protected No Claims Discount.)
An sensible insurer would ask if you claimed before. I'd hope they would ask how much the settlement was?
If my insurers take on 'bad risks' I would like to think they collect the higher premium for the extra hassle.
And you should pay more for driving like a fool.
Why should I have to pay for careless drivers?

Why would your friend not want to claim?
I would claim.
If the person takes the hump for the claim then tuf.
So that is a friend?

I love Sorting Chaff from Wheat
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[ste.j]

Thanks for the input so far I'm sure my son would be better off reading your replies than me.

Would be interested to hear your story Ste.

[Johnny GSX-R]

We all pay for it!

Every claim, wether genuine or not ups the premiums in the long run. Al these compensation claims come out of our pocket hence thats why insurance is so damn expensive.

[syl]