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#Post#: 32529--------------------------------------------------
Accident at fault
By: daisy Date: August 7, 2024, 5:38 am
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Hello,
In 2021, I had an accident where a motorcycle stopped at a zebra
crossing for no reason (no pedestrians). I slightly touched
them. The guy did not even fall. However, five minutes later, he
lay on the road and said he could not move. We had to call an
ambulance...
He made a claim. In the end, my insurer said that they would not
be successful in court, as the rider of the moped had stopped on
a zebra crossing. The insurer also said, "We have now completed
our investigations into the matter and a decision has been made
to settle the claim on the best possible terms."
A few days ago, I renewed my insurance. Today, I was contacted
by my new insurer, saying that in their database, the accident
shows at fault.
How is this possible? I have never been made aware of that. I
still believe that I was not at fault.
How is this going to affect my new insurance? Is there anything
I can do? Can they just decide that I was at fault?
Thank you in advance.
#Post#: 32530--------------------------------------------------
Re: Accident at fault
By: Southpaw82 Date: August 7, 2024, 5:40 am
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Not convinced this is a criminal matter, so I’ve moved it.
#Post#: 32535--------------------------------------------------
Re: Accident at fault
By: roythebus Date: August 7, 2024, 5:45 am
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If you'e just touched another vehicle that is stationary then
it's your fault. Cash for crash it's know as.
#Post#: 32537--------------------------------------------------
Re: Accident at fault
By: The Rookie Date: August 7, 2024, 5:54 am
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If they settled the other parties claim against you, then you
were deemed at fault. You were made aware of that from your own
version of events!
Whether you were at fault or not isn't relevant, you have an 'at
fault claim' you had to declare.
[quote]How is this going to affect my new insurance? Is there
anything I can do? Can they just decide that I was at
fault?[/quote]
It will go up, hopefully you at least declared that the
collision had occurred so have some credibility or they may
cancel your insurance completely (which would be very costly
going forward).
You could make a formal complaint to your old insurer about
their decision to settle and see if it can be made non fault.
You would probably have to take it to the ombudsman as I can't
see them accepting it.
Pretty much yes, what other mechanism do you think sensibly
applies?
#Post#: 32539--------------------------------------------------
Re: Accident at fault
By: daisy Date: August 7, 2024, 5:58 am
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[quote author=Southpaw82 link=topic=2741.msg32530#msg32530
date=1723027238]
Not convinced this is a criminal matter, so I’ve moved it.
[/quote]
Thank you.
#Post#: 32540--------------------------------------------------
Re: Accident at fault
By: daisy Date: August 7, 2024, 6:02 am
---------------------------------------------------------
[quote author=The Rookie link=topic=2741.msg32537#msg32537
date=1723028043]
If they settled the other parties claim against you, then you
were deemed at fault. You were made aware of that from your own
version of events!
Whether you were at fault or not isn't relevant, you have an 'at
fault claim' you had to declare.
[quote]How is this going to affect my new insurance? Is there
anything I can do? Can they just decide that I was at
fault?[/quote]
It will go up, hopefully you at least declared that the
collision had occurred so have some credibility or they may
cancel your insurance completely (which would be very costly
going forward).
You could make a formal complaint to your old insurer about
their decision to settle and see if it can be made non fault.
You would probably have to take it to the ombudsman as I can't
see them accepting it.
Pretty much yes, what other mechanism do you think sensibly
applies?
[/quote]
I have always declared the accident when renewing the insurance.
However, I was putting it as not at fault.
I contacted my old insurer and they cannot prove they have
informed me about their decision. They even sent me an
attachment with a false date of delivery!
#Post#: 32541--------------------------------------------------
Re: Accident at fault
By: daisy Date: August 7, 2024, 6:04 am
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[quote author=roythebus link=topic=2741.msg32535#msg32535
date=1723027513]
If you'e just touched another vehicle that is stationary then
it's your fault. Cash for crash it's know as.
[/quote]
This was my point but the insurer said they can't prove it.
#Post#: 32563--------------------------------------------------
Re: Accident at fault
By: sparx Date: August 7, 2024, 8:24 am
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Check your first renewal invitation after the incident, what
does it show next to the incident in the "Claims" section? It
will almost certainly say "Fault".
Regardless, if you've been putting non-fault down and nothing
has come of it until now, just grovel to your current insurer
(different now?) and put it right.
#Post#: 32589--------------------------------------------------
Re: Accident at fault
By: daisy Date: August 7, 2024, 11:48 am
---------------------------------------------------------
[quote author=sparxy link=topic=2741.msg32563#msg32563
date=1723037079]
Check your first renewal invitation after the incident, what
does it show next to the incident in the "Claims" section? It
will almost certainly say "Fault".
Regardless, if you've been putting non-fault down and nothing
has come of it until now, just grovel to your current insurer
(different now?) and put it right.
[/quote]
Omg, I had to log into my account from three years ago to find a
paper called "Statement of Fact". It says fault- yes. I feel
stupid now. I never knew about it. My NCB did not change. I
didn't have any excess taken off me either, so I thought it was
okay.
I am calling the new insurer.
Thanks.
#Post#: 32601--------------------------------------------------
Re: Accident at fault
By: slapdash Date: August 7, 2024, 1:05 pm
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An excess would only apply to an own damage type claim on most
regular policies (though there are policies which apply excess
to any claims - all sections).
It seems odd that your NCD was unaffected - unless it was
protected.
Did the insurers tell you what the claim was settled for, your
new insurers may want to know.
It is possible the final claim value was zero. This wouldn't
generally impact NCD but would impact premium.
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