Involved in an accident- not my fault, what should I do?

[thepiedpiper]

Hi, My car has probably been written off after being involved in an accident that was not my fault, the drivers company say that they have informed their insurance company, what should i do?

Contact your insurers.

Inform your insurance company.
They should sort it all out for you.

Hope you weren't injured and the hassle of getting a new car is relatively quick and painless.

Your insurers should have issued you with a number to call. Find it, and call them.

Yes, phone your insurers and inform them of the incident, have you got the other drivers insurance details? Have they got your? If they have admitted it's their fault then you don't need to do much. My car was hit a few months ago whist I was sat outside the school, my car was repaired within a week and I didn't need to do much ( just had to explain what had happened over the phone ).

contact your insurers, obviously. Go through all the questions (BTW if there were child seats in the car they are write-offs too). Wait for the financial offer. Argue if it isn't big enough.

sort out the V5, use the cash for another car. Remember to declare the claim on all future insurance quotes; there is usually a way to class it as 'no fault' but even though it may affect your premium, you must declare it.

contact your insurers and you need to report to police within 24 hours of the accident. you may need to go and fill n a form if you were injured at all.

Yes, yes to informing your insurance company, irrespective of fault and irrespective of whether you are comprehensively of third party insured.

You are under a duty to mitigate your losses so you need to act reasonably quickly. What you need to do after informing your insurance company depends upon whether you are comprehensively or third party insured but if you contact your insurance company they will be able to advise you.

If you are third party insured it is your responsibility to get estimates for repairs to your car and forward them to the other insurers. You may have legal expenses insurance cover on your motor insurance policy as an add on. These firms can help you pursue your losses.

If there is no dispute re liability you may find that the other driver's insurance company contact you direct offering to deal with your claim. This can help speed things up and make it less awkward for you. However, please do not accept any offer in full and final settlement of your claims unless you are sure that all losses that you are claiming for have been included.

I hope that you are able to get this sorted without too much hassle.

P. S You do not need to involve the police if details were exchanged

Thanks,Probably too late to involve the police as it was 5 days ago. I haven't heard anything from their insurance company even though the company said they had informed them and they would assess the damage to my car (garage hasn't heard from them either. My insurance company said it would be better to sort it myself as they may incur costs pursuing a claim.

Have you got a hire car whilst yours is waiting for,decision.

I was in an accident a few weeks ago, nothing serious but the other persons insurance rang me up the next day and went through the claim and sorted out a garage etc.