Hit by a foreign lorry!
Posted: Sat Jul 27, 2024 7:28 pm
Can anyone with specific motor insurance knowledge advise me how to proceed, having just been run into from behind by a foreign 38 tonne lorry in a slow moving traffic queue on the M6? Full details were taken by a National Highways Officer and the police and he admitted (by interpretation) that he was to blame and there was no damage to his vehicle whatsoever.
He has dented and distorted the fit of the boot lid, and the N/S light cluster has been pushed in slightly (but not broken) which suggests the rear wing may have been pushed out of position but otherwise it is undamaged.
Normally of course I would put it through the insurance, but they would then not only increase my premium for having been involved in an accident (for which they have the perogative to do so - especially as I'm due for renewal in ten weeks time which is long before any settlement would be forthcoming), but may well just want to write the car off and pay me out for which I am fully comprehensive, with legal cover, agreed value and salvage retention. But that would either then hyke up my premiums and/or they might even refuse to insure me further due to my advancing age? In any event, the car is much too good to be written off and it would be the loss of another Rover.
In the alternative, is it a feasable proposition I could refrain from making a claim at all on my insurance, and progress the recovery of the cost of repairs myself? If so - and this is the principle question - should I tell my insurers about the accident and my decision to handle the recovery of my costs myself, which ostensibly means as I'm not making a claim my insurance is unaffected? Would they agree to that??
Or should I just keep stum and get the repairs done, given the Polish lorry driver did not ask for or obtain my insurance details anyway?
Has anyone had a similar experience?
Regards to all,
Stan.
P.S.
Anyone know of a good repairer with panel beating capability in the Wolverhampton, Stafford or West Midlands area??
He has dented and distorted the fit of the boot lid, and the N/S light cluster has been pushed in slightly (but not broken) which suggests the rear wing may have been pushed out of position but otherwise it is undamaged.
Normally of course I would put it through the insurance, but they would then not only increase my premium for having been involved in an accident (for which they have the perogative to do so - especially as I'm due for renewal in ten weeks time which is long before any settlement would be forthcoming), but may well just want to write the car off and pay me out for which I am fully comprehensive, with legal cover, agreed value and salvage retention. But that would either then hyke up my premiums and/or they might even refuse to insure me further due to my advancing age? In any event, the car is much too good to be written off and it would be the loss of another Rover.
In the alternative, is it a feasable proposition I could refrain from making a claim at all on my insurance, and progress the recovery of the cost of repairs myself? If so - and this is the principle question - should I tell my insurers about the accident and my decision to handle the recovery of my costs myself, which ostensibly means as I'm not making a claim my insurance is unaffected? Would they agree to that??
Or should I just keep stum and get the repairs done, given the Polish lorry driver did not ask for or obtain my insurance details anyway?
Has anyone had a similar experience?
Regards to all,
Stan.
P.S.
Anyone know of a good repairer with panel beating capability in the Wolverhampton, Stafford or West Midlands area??
