Slowly killing the lexus :(
Slowly killing the lexus :(
So even though my excess was £750 and the repairs were just shy of £1k, I still put it through insurance
Btw, I'm not sure in the truth behind this, but I was told that when I had an accident, If I didn't place a claim with my insurer then if the other party claimed for whiplash at a later date, I'd be personally responsible for their healthcare bills!
So even though my excess was £750 and the repairs were just shy of £1k, I still put it through insurance
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
FirebirdPhil
09-02-2018, 04:29 AM #22You have to tell your insurance company anyway as you have had a claimable accident. Jimxms it also right if you choose not to go through the insurance then they will not pay out for whiplash etc.
"Life's goal is not to arrive safely at the grave in a well preserved body. But, rather to skid in sideways........
totally worn out and broken, shouting 'Holy ****, WHAT A RIDE!'"
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
You don't have to claim, but they have to be informed of any accident - I'm not sure about the personal liability, it's probably more just the case that they will deny cover because you didn't inform them of the accident.
2002 '02' IS200 SE Auto - DVD Satnav with Voice Activation - [COLOR="Blue"]Strathcaron Blue - Parking Sensors - 5000K HIDs with Anti-Glare Bulbs - PIAA 6500K Main Beams - LED Sidelights - Mirror/Sunroof Closure - TTE Styling Kit - 18" Styling Kit Alloys with nitrogen filled Goodyear Eagle F1 Asymmetric Tyres - Bluetouch Multimedia Kit - Gromaudio AUX in - Black painted calipers with silver Lexus decals - 12 LED Dome Light - 96 LED Boot Light - Stainless Steel Sport Sill Plates - PIAA Silicone Wipers[/COLOR]
Though I suppose telling the insurer but nor claiming can't lose the NCB anyway...?
IS200 Sport - Sold
Mazda 6 MPS - Zoom Zoom!
Modifications
Completed:
Currently 280bhp/295lbft; 3" Meercat custom exhaust; KW Suspension; FMIC; SSP; HPFP; Custom Stainless Steel Dials - for the moment, the only set in the world!! (Till the group buy for MPSOC anyway :lol: )
In Progress:
E-Tuning remap ongoing via Cobb Accessport; Braided brake lines; Stubby aerial; Tinted repeaters and sidelights; 3 Port Boost Control Solenoid; 3" HTP Intake
Even if there's no claim made Phil, he still has to tell the insurer about it, and that'll push up the cost anyway...
Though I suppose telling the insurer but nor claiming can't lose the NCB anyway...?
IS200 Sport - Sold
Mazda 6 MPS - Zoom Zoom!
Modifications
Completed:
Currently 280bhp/295lbft; 3" Meercat custom exhaust; KW Suspension; FMIC; SSP; HPFP; Custom Stainless Steel Dials - for the moment, the only set in the world!! (Till the group buy for MPSOC anyway :lol: )
In Progress:
E-Tuning remap ongoing via Cobb Accessport; Braided brake lines; Stubby aerial; Tinted repeaters and sidelights; 3 Port Boost Control Solenoid; 3" HTP Intake
Mondeo was a 57 plate, the guy really wants it fixed asap and i cant stump up the cash that quickly
a slight bonus is work have agreed a £2k redundancy payout for end of April so will get it all fixed up then
[SIGPIC][/SIGPIC]
Lexus IS220d - Parrot Bluetooth kit, 1 idiot driver
Not sure really,
Mondeo was a 57 plate, the guy really wants it fixed asap and i cant stump up the cash that quickly
a slight bonus is work have agreed a £2k redundancy payout for end of April so will get it all fixed up then
[SIGPIC][/SIGPIC]
Lexus IS220d - Parrot Bluetooth kit, 1 idiot driver
Why pay out of your pocket to fix the mondeo and your lex if you've only got a couple of years NCB to loose which probably wont make much difference to the insurance cost on a cheap run-around car?
Most insurers will ask "have you had an accident in the last x years regardless of fault" anyway.
Personally I'd take the £750 excess on the chin, let the mondeo guy go to wherever he wants to get his car fixed. Take your lex to an authorized bodyshop and also be safe in the knowledge that if Mr Mondeo claims for whiplash, you've done everything through the insurance so there's absolutely no chance of a comeback on you.
hmm, if thats the case, is it not worth bunging it all through insurance and getting them to sort it all out?
Why pay out of your pocket to fix the mondeo and your lex if you've only got a couple of years NCB to loose which probably wont make much difference to the insurance cost on a cheap run-around car?
Most insurers will ask "have you had an accident in the last x years regardless of fault" anyway.
Personally I'd take the £750 excess on the chin, let the mondeo guy go to wherever he wants to get his car fixed. Take your lex to an authorized bodyshop and also be safe in the knowledge that if Mr Mondeo claims for whiplash, you've done everything through the insurance so there's absolutely no chance of a comeback on you.
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