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Any idea why the other party's insurer is trying to call us?

(15 Posts)
LaurieFairyCake Sat 13-Jan-18 11:42:27

Someone rear ended us last week and wrote off our car. I've got 2 missed calls from the other party's insurer hmm

Any idea why ? Our insurer is dealing with everything- hire car, arranging for ours to be picked up etc

AJPTaylor Sat 13-Jan-18 11:51:47

To try and make sure that you are not in credit hire. Just ignore if you want to

LaurieFairyCake Sat 13-Jan-18 11:58:37

What is 'in credit hire'?

Thanks for answering grin

Bluntness100 Sat 13-Jan-18 12:00:16

If they rear ended you, they are liable, don't ignore it, that's nuts. Speak to them, they clearly just want to validate some facts.

0htooooodles Sat 13-Jan-18 12:02:40

It’s likely to verify what happened and offer you a hire vehicle etc. I work insurance and that’s why we call the third party if our driver is at fault.

LaurieFairyCake Sat 13-Jan-18 12:03:00

I'm not ignoring them, they called me while I was working and they're not open when I'm not working.

LaurieFairyCake Sat 13-Jan-18 12:03:58

My own insurance have provided me with a hire car (I'm covered).

Why would the other party want to give me a car? confused

FrayedHem Sat 13-Jan-18 12:04:16

The day after my car was written of by a third party, a rep from their insurer turned up at my house! They wanted to find out if I would be making a Personal Injury claim and to make me an offer on the doorstep. (I sent them away).

VelvetSpoon Sat 13-Jan-18 12:06:05

Credit hire is where a company like DriveAssist or some one provides you a hire car on a credit basis. You are not expected to pay upfront (hence credit agreement), cost is billed to the insurers, but that cost is much higher than usual market rates. Hence insurers want to get you out of hire asap.

They may also be calling to see if you are injured. Most of the major insurers have teams who will deal directly with simple injury claims to save you the cost of instructing a solicitor.

No reason not to take their call!

LaurieFairyCake Sat 13-Jan-18 12:06:19

It could be that. Dh banged his head and can't bloody twist his neck properly.

FrayedHem Sat 13-Jan-18 12:06:38

It will be cheaper for the Third Party to supply you with a hire-car directly. Your insurer will be charging it back to theirs and there's probably admin fees added on/being charged market rate etc.

LaurieFairyCake Sat 13-Jan-18 12:07:58

Well they weren't quick enough then. Accident happened Wednesday afternoon and we needed the hire car for Thursday (which we got). They didn't try to call us til Friday afternoon.

BakedBeans47 Sat 13-Jan-18 12:08:41

Why would the other party want to give me a car?

Because it is likely to be cheaper than your own insurers paying for it.

I was rear ended a few years back and the other driver’s insurers were on the phone admitting liability and offering to get my car fixed/pay for car hire before I’d even had a chance to report it to my own insurer.

Battyoldbat Sat 13-Jan-18 12:10:42

We had the same, hit by a driver clearly at fault (on his mobile hmm). His insurance co were ringing to find out if we were going to make a personal injury claim and to make us a settlement offer. We ignored them because we (amazingly!) weren’t injured so didn’t want to claim.

Mc180768 Mon 15-Jan-18 17:00:26

I have recently had a bump with the other driver claiming I had done his bumper in. No damage to my car. I thought he had brushed my wing mirror.

Some company called me on behalf of him to ask my version of events. I refused to speak with them and prefer to deal with my insurance company as he has made an allegation against me. I have dash cam footage and he is apparently making a claim for whiplash.

He drove from the scene, parked 200 yards away and he then came to my car claiming I had damaged his bumper.

There were no injuries.

OP, no harm in speaking with the other driver as liability has been established.

In my case, liability has not been established so I am sticking with speaking with my insurance company.

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