Whose insurance?

[Kitkate78]

My car was being repaired for a previous hit and run in a car park, after a drawn out process where we managed to track down the driver via CCTV and the police. We managed to agree that the hit and runner's insurance paid for the damage. Not necessarily important info... But it's taken a long time to get sorted and been fairly frustrating.

So my car was on its way home after being in the repair shop for a week and on the way here (being driven by the accident repair centre delivery driver) and someone has driven into the back of it.

Whose insurance covers this? If the 3rd party driver admits liability surely they'll cover everything, but will I have another no fault claim on my insurance (somehow would seem unfair) or does this all go through on the accident repair centre's insurance?

I just wanted my car back and to draw a line under the past 6 months... But here we go again!

Any advice/ help gratefully received!

I would have thought that the accident repair place would cover it - they must surely have insurance cover in place for their guys to drive customer's cars. There problem I would have thought.

Oops - *Their

nightmare!

but the fault is ALWAYS with the person who drove into the back of the other person. You will I'm afraid have another no fault claim, but in my experience this doesn't affect premium, you just have to declare it.

the repair company will need to make the claim, so talk to them.

It's not always the fault of the driver that goes into the rear of a car - "induced accidents" change all that. However, I'm assuming the garage person didn't slam on brakes so as to cause the accident so the insurers of car behind should pick up the cost of repair

I've had a 'no fault' claim recently, just as I was renewing my insurance and my current insurer added over £50 to the renewal quote as a result. I found insurance elsewhere, but don't assume it won't affect your premium at all.

It seems like the accident repair centre's insurance is going to pick it up, ie are claiming against the 3rd party. But with no no fault Claim on my insurance. But kind of academic since Solus, the accident repair centre, are owned by aviva (my insurers).

It's a total nightmare... Was asked to come down and see the damage on Fri and it's gone from being "oh it's just the back bumper" to it being a lot more serious... New exhaust, suspension, the back being de crumpled, bodywork... All sorts! I'm just concerned about the impact on the safety of my car: will it really be 'as good as new' and will it affect resale value. Just got a feeling I'm going to get shafted somehow. It's not been simple getting car hire sorted out and in terms of customer service it all just feels a bit rubbish! I was hoping that they would have someone senior on the phone to me today to set out how they plan to keep me updated with the claim/ repair... But no such luck. It's causing me significant amounts of stress.

Should I be banging my fists on the table and be demanding more, given my car was so badly damaged in their care?!

induced accident? Unless someone reverses into you (and I wouldn't put it past the 'crash for cash' lot) there's no such thing. The person at the back needs to allow enough stopping distance in case the person at the front DOES slam on the brakes.

OP - indeed a nightmare, I fear you may now be looking at a writeoff unless the car is under about 3 years old. That does indeed destroy the resale value although you may still have a perfectly driveable car.

bang those fists, raise a formal complaint, take no prisoners!

Yes, induced accidents. They happen. Fraud happens. For example People (gangs) disconnect brake lights, have stooge vehicles cause them to slam on brakes (stooge drives off) all in order to induce accidents. If they are found to have induced ie committed fraud they lose and face consequences.

Car is just under 3.5 years old... £9k damage. Spoken to Audi for advice and transferring it to their approved car repair centre instead. Still awaiting 3rd party approval for repairs, but hopefully not a write off. Also pursuing diminution in value claim against 3rd party. Thread seemed to take a detour from the advice requested... But thanks for all your help and support!

Have sent you an epic PM

Thanks RocknRollnerd! Much appreciated. X