How to proceed with no-fault insurance claim

[Freddyfruitba...]

I'm sure I've seen this advice asked and answered here before but damned if I can find it, sorry... Have been googling too, for 'real-world' rather than 'insurance company' feedback again to no avail.

So - my son got rear-ended today while driving my car. No injuries, relatively minor (but expensive, obvs) damage. My son was stationary in traffic and apparently the third party was scrabbling around for a dropped phone rather than watching the road. So although no witnesses, hopefully should be 100% no-fault.

I'm just not sure how best to proceed here. Third party wants me to deal with his claims handler (a notoriously bad one on TrustPilot), who will deal with everything and give me a free hire car. I don't trust that an inch, so have turned it down. Just been completing the claim online with my own insurer, and have ended up with:

[Nobby the Bastard]

Or you could claim directly off the third party insurance.

The odds are, these days, it'll be written off anyway.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[stinkwheel]

[Nobby the Bastard]

At the end oof the day, you will have to declare the accident to your insurers for the next 60 billion years anyway so you may as well save yourself the ball-ache and claim off your own insurance and make them do all the legwork if they want the money off the other insurance company.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[Easy-X]

[Ste]

You'd have an accident to declare but no claim to declare.

Signing up for something that involves a credit service sounds like a bad idea when all you want is the car repaired.

[dave001]

i would never claim of my own on a non fault

i normaly ring the other partys insharance company and tell them they 3 days to get moving or its a no win now fee job and a massive bill

iv had some play nice and sort it fast

once played up and ended up with a bill for for 6mounths in like for like mercedes 2.5l


id get a saw neck as well that will pay for the loading on insharance

[Easy-X]

[dave001]

[Nobby the Bastard]

[Bhud]

[dave001]

[MCN]

This stinks of insurers walking away from their liabilities by not chasing the third party insurers for settlement.

The little ribbon the bastirts offer to new policies/renewals for legal protection is real.

Fortunately, from what you stated, the turd party notified their insurers.
There would have been a form to complete so the insurers know what the craic is.

Usually, insurers write to each other and decide who's at fault.
A rear-ending is almost always 100% the rammer's fault.
Very difficult to get out of that.

So in that case it should be a formality.

The turd party should pay reasonable costs to repair.
I'd be looking at dealers repair. Fuk them. You pay premiums that's your stake.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Easy-X]

In my case the other party's insurance would not admit liability but my credit hire company still got paid and I got a cheque for the repairs. I'm guessing they wanted to head off a "oh! my neck" claim?
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Fat Angry Scotsman]

[Tierbirdy]

You pay for your insurance to handle situations exactly like this, make the fuckers work for once rather than paying them for a year to do nothing!