AIBU for going through insurance?

(43 Posts)
SporkPower Tue 29-Jul-14 13:52:35

Hi long time lurker first time poster, so be gentle with me please! Yesterday someone rear-ended my car when I was stationary, she admitted it was her fault we exchanged contact details and she said she would text me her insurance details when she got home.

When I got home, she texted me asking to pay for the damage privately and not go through insurance and basically refused to give me her insurance details. The back bumper is quite crumpled so I called the insurance last night and just gave over all the details that she had given me at the scene (address, name, mobile, car reg etc).

So I told her this morning that I had rang my insurance last night and informed them of the crash.
She's now texted and called me numerous times leaving voicemails, asking that I let her pay privately, asking if I told the insurance it was her driving and asking me to tell the insurance it was her dad driving not her! I haven't replied to any of these messages/calls yet.

I'm a bit pathetic and don't cope well with conflict so the constant back and forward is starting to stress me so I'm a bit worried about her reaction when I tell her that I did tell the insurance it was her driving and this is my first ever car crash so I'm not really sure of the etiquette!

So AIBU to just ignore her calls/texts from now on and just leave it to the insurers?

CMOTDibbler Tue 29-Jul-14 13:55:19

Yup, ignore her and let the insurers deal. I'm betting she's not insured or possibly doesn't have a driving license

DinoSnores Tue 29-Jul-14 13:55:56

You are doing the right thing. Let your insurance sort it out.

Ignore her, or text her and say it's in the insurance company's hands and to stop contacting you. She is trying to cover up something. That is her problem, not yours.

VegasIsBest Tue 29-Jul-14 13:59:00

I agree with the other posters. Sounds like she's not insured or something. Her problem not yours.

ramrod757 Tue 29-Jul-14 14:01:03

Sounds very dodgy to me. Definitely let your insurer deal with it. What's your insurer's position on non fault accidents with un-insured drivers?

passmethewineplease Tue 29-Jul-14 14:02:47

Hmm could she be uninsured? or not even licensed to drive?

Or maybe she doesn't want her premiums to increase?

Either way you did the right thing. Let the insurers deal with it, it isn't your problem.

LittleprincessinGOLDrocks Tue 29-Jul-14 14:05:28

Let your insurance company deal with it. It sounds fishy to me that she is asking you to lie. I would not be comfortable with that at all.
Text her and say please send any further correspondence to my insurance company as they are now dealing with the claim.
Then just keep all texts and phone messages, then you have proof of her asking you to commit fraud etc, should it turn nasty you will have lots of evidence that you are in the right.

notaflamingclue Tue 29-Jul-14 14:05:35

God yes ignore her. Not your problem.

Andrewofgg Tue 29-Jul-14 14:06:46

She is trying to involve you in an act of insurance fraud. Tell her to stop texting you and tell her that you intend to pass all her texts to your insurers - whether you do it is up to you. Take no shit from her.

doughballdoughballdoughball Tue 29-Jul-14 14:08:10

Definitely not unreasonable to not engage with her. Do everything through your insurers.

I had someone go into the back of me in April. My insurance company where able to confirm the vehicle was fully insured straight away when I gave them the vehicle reg. did you insurer mention anything about this when you reported last night ?

Staryyeyedsurprise Tue 29-Jul-14 14:09:39

Ignore, block her number...

I would never come to a private arrangement. For one thing you are obliged to tell your insurance provider anyway. For another, what if something happens in 6 months time that is related - you wouldn't be covered?

YANBU.

SporkPower Tue 29-Jul-14 14:10:59

Hi thanks for all the replies! It's one of those things where it was one of those things where I was like hmm I think I'm being reasonable but just wanted to check with others!

Ramrod757 - They have an uninsured drivers promise, it says my NCD won't be affected and shouldn't have to pay excess.

LIZS Tue 29-Jul-14 14:10:59

Bet she's not covered, the vehicle might be technically but maybe there was an anomaly in the details or she isn't named as a driver. Tell the insurer she is hounding you and leave them to it.

specialsubject Tue 29-Jul-14 14:13:02

yes, ignore. She is reeking of uninsured driver without owner's permission and you MUST leave it to your insurers. You aren't pathetic but she certainly is.

rear-ending is cut and dried her fault. Be aware that if your car isn't new, it may now be an economic write off, so do not deal directly with her.

passmethewineplease Tue 29-Jul-14 14:15:14

I have also heard of a person agreeing not to go through the insurer and then the party at fault has got to the insurer first and blamed the other driver.

headlesslambrini Tue 29-Jul-14 14:15:48

Your insurance company should be able to tell you if she is insured or not. Chances are she was but already has a number of accidents so doesnt want more on her record.

Either ignore texts or text back that the insurance is handling everything and she needs to speak directly to them.

You pay alot of money for insurance so it would be daft not to use them when you need to.

mousmous Tue 29-Jul-14 14:16:03

yanbu
that's what your insurance is for.
we had a similar thing recently and as soon as the other driver didn't want to give insurance details we got a funny feeling. it then turned out that the contact details they gave us very not correct (phone no doesn't exist). but luckily we took a photo of the registration and the insurance deals with the shit from now on.

SistersOfPercy Tue 29-Jul-14 14:19:35

You could technically be a bit naughty and put her reg number into

www.askmid.com

Checking your own (cough) vehicle is free.

Andrewofgg Tue 29-Jul-14 14:22:32

Accident last year, my fault and so I told the insurers. While I was on the line the nice lady at the end confirmed that the other vehicle was registered to the name the other driver had given me and he was insured.

If your insurers can't do that, say no more, know what I mean, nudge nudge, wink wink!

chipshop Tue 29-Jul-14 15:53:09

I had similar hassle after someone went into the back of me. You have to get tough and tell her in no uncertain terms not to contact you directly again.

In your situation I'd be tempted to report her for attempted fraud!

ouryve Tue 29-Jul-14 15:56:05

YANBU. Even if you know someone, there's less scope for dispute if everything's being sorted out between insurers.

moonbells Tue 29-Jul-14 16:11:17

I had one of these. Other driver hit me in a car park with a car not her own, waited around to tell me details, wrote them down for me, and I went to work and phoned my insurer. Half an hour later I get the husband on the phone saying they want to do it all privately. I said it was too late, and I needed a hire car and he got very huffy.

I then get letters from insurer (mine) saying the other party has denied everything. This went back and forth for a year, but the fact that the other driver had handwritten her name for me, and I'd got photos, meant that they hadn't a leg to stand on. I still don't know whose car it really was and if she was actually insured.

ramrod757 Tue 29-Jul-14 16:12:20

They have an uninsured drivers promise, it says my NCD won't be affected and shouldn't have to pay excess.

Absolute winner. That's what you pay them for.

magpiegin Tue 29-Jul-14 16:16:43

Good luck. You've done everything right. If she continues to text then tell her you'll pass them on to the insurers.

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