write off - third party's fault

[badgerchops]

my Seat ibiza was hit by a TVR (ouch) and subsequently their insurance company are assisting me as they admitted fault. I took it to the crash repair place who said 'probably total loss / write off' which i expected. When they come back with a figure for me i shall turn it down (always turn down the 1st apparantly) and will state all the other things on my car.. i.e. TSW alloys, tints etc.

question being... do i need to get my insurance company involved at all ???

[NORMANTHEDOG]

if in your policy,you paid for legal cover,then let your insurance do all the negotiating for you.

[Ethel]

You should not be dealing with this insurance company at all. They certainly are not helping YOU - they are only interested in helping themselves to keep the payout down.

Let your own insurance company deal with it - that is what you pay your premiums for.

What about personal injury? Whiplash and so on.

And associated costs - cost of hire vehicle, public transport, time off work, general inconvenience and telephone calls.

[badgerchops]

i dont want to lose my NCB tho' and so avoiding using my insurance company. i reckon i can take on the big guns!!

[homerthegrea]

You are claiming on the other persons policy not yours so your NCD will not be effected

[Ethel]

As homerthegrea says, your NCD will not be affected.

You are duty bound by the termsof your policy to inform the insurance company of each and every accident, whether you claim or not.

So let them deal with it - they are paid to do so.

[alunrw]

As previously mentioned, I believe that you do have to notify your Insurance company, failure to do so could be considered as non-disclosure for any future insurance, also I do believe that unfairly as it sounds, its a No claims bonus and not a No blame bonus, so you could lose this also, even though its not your fault - worth checking with your insurers and I would be careful, as its amazing how many times people accepting blame change their minds when their Insurer becomes involved.