- Sun Jul 20, 2014 12:21 am
#3783308
A guy reversed into my car over a year ago and did a runner (left his car, took the keys and ran off!) whilst I was on the phone to the police telling them I believed he had been drinking. As I had my kids in the car, I couldn't go after him. Police told me to tell my insurers which I did. They eventually caught the guy a couple of days later. He apologised and accepted full responsibility but the police could not charge him with driving whilst under the influence of alcohol. I asked my insurers if my premium would go up and they said not if ALL costs were recovered from the other party. As he wasn't even insured, I expected the worst but he actually came good and paid for all the costs including the cost of the E-class Merc I had as my courtesy car for 2 weeks. I checked with my insurers to make sure all was good a month after they had been paid and they confirmed all was okay. No increase to my premium upon renewal earlier this year. :salut:
I actually liaised with the other guy (via the police) during my car repair and asked my insurer to give me the full details of all their costs in writing - which they did. I then forwarded this to the guy along with details of my excess and a day's loss of earnings. He agreed to pay the full amount the following day.
I guess that as long as your insurer recovers all their costs (plus their admin costs), you should not receive an increase to your premium. It makes sense as when obtaining insurance quotes, you are asked how much the cost of the claim was and whether all costs were recovered.
2002 EP3 Type R - SOLD
2014 BMW ///M4 - Rejected after 6 months!
2015 BMW 435d x-drive Msport