Car insurance - accident

[goodbyecar]

Sorry if this is in the wrong topic.

I have been involved in my first car accident (other driver at fault), my insurance has been dealing it with it so far but the other insurer has now offered to take over, am I right in thinking this is better for me?

The car is a total loss and the other insurer has offered me an amount I’m happy with. I had read about negotiating but the amount offered is more than the auto trader valuation I got and what I’ve found other cars are being sold on auto trader for.

The other insurance company would be a lot quicker in paying out and said it would be less impact on me if they take over claim. Just wanted to check with someone more knowledge than I am to be sure.

I did that. They offered me more than I'd paid for the car, paid for the car seats without quibbling, hire car arranged and paid by them, etc. No excess to pay. All done very quickly.

So long as it is definitely the third party insurer, not a claims management company, and you are happy with the offer, it can certainly be worthwhile.

Yes, double check it is the actual insurance company, not someone acting "on their behalf". It can turn into a nightmare with those claims management companies.

It’s the third party claims team at Aviva.

I have just had my insurance email me and their valuation is less plus excess (although I think I would get that back) so I will definitely go with the other persons insurance.

It is very much in the company’s interest to deal with you rather than your insurer. Saved them loads.