Liability World » Insurance Registration

Can someone initially claim off my car insurance following an accident if I don’t accept liability?

admin — Sat, 11 Dec 2010 17:55:15 +0000

footie asked:

Involved in an accident whereby pulled off from opposite side of road into single line of queueing traffic at a roundabout. The gap I was going to go into the other driver decided did not want to let me in and so accellerated to close the gap, in doing so coming very close to the passenger side of my car. I stopped momentarily to allow them to continue, they didn’t so I went forward damaging their wing mirror, which I could not see (small car). They say I am totally at fault, I say its 50-50. There is very minor damage to my car that I am not interested in claiming for. Can they claim off my insurance initially or do they have to claim off their own and then go to mine?
Also, if it goes through insurance, as I am not claiming for any damage, just ‘informing them’ in effect, do I pay an excess? Do I have to pay my excess on their damage?

Why are English car insurance rules different from Europe’s?

admin — Wed, 20 Oct 2010 12:05:29 +0000

Gary C asked:

In Europe you insure the car. Providing you give them the car papers anyone can drive the car. A green card comes automatically with the policy.
In UK you have to answer loads of questions, some of which are ridiculous, you pay extra for everything including foreign trips green cards.
I was even told by one company that because I work in the town centre I was not insured to drive in the town centre even if it was to visit the supermarket on non work related business.
I found this absurd. I cannot understand the logic behind this unless it is just another way to make money while minimising the conditions that would result in a payout.

I have AAA auto insurance and had minor 1st at fault accident. Will my rates go up?

admin — Sat, 16 Oct 2010 23:28:43 +0000

Toast asked:

I rear ended someone this weekend. Just a minor fender bender. My first ever accident!! UGH! Both cars with minor damage. There are a few scratches on their car. I have liability insurance through AAA, I’ve had my US license for a year and a half and am f/29yrs old. Have had a UK license for 10 yrs.
What are the chances my rates will go up? I am insured on my husbands insurance and we have 2 cars so will insurance go up for both? I just want to hear people who might’ve been in the same kind of circumstances and if their rates went up and by how much! Thanks!

Anybody know anything about car insurance? Some guy bumped my car (only 6 weeks old). He admitted liability no

admin — Thu, 26 Aug 2010 05:51:15 +0000

janice s asked:

problem there. Insurance have supplied courtesy car. Here is the problem. The car a Zafira is horrid to drive and I have no clear view on the motorway because wing mirrors are to small. Asked for replacement and insurance say we are only entitled to class A which is Corsa or similar. My car is 4 x 4 (sorry if you don’t like them). Why do we not have a choice when we are the innocent party. Don’t want a Mercedes or anything just a decent saloon car.

What if two different insurance companies find me at different faults (100% not at fault, and 50% at fault)?

admin — Mon, 19 Jul 2010 15:55:41 +0000

thabboywannab asked:

This is for the state of California.

I was in a car accident a couple of weeks ago. I only have liability insurance. After going through interviews by both insurance agents my insurance (Farmer’s Insurance) found me 100% not at fault. The other driver’s insurance (Mercury insurance) is only offering to pay 50% of damages. This is a big deal since I only have liability I would have to pay 50% from my pocket. I strongly believe I was not at fault (I was driving straight in my lane, a vehicle started making a left turn from a side street onto the street I was currently driving on. Before reaching the middle yellow lane isle where they could stop if need be, they stopped in my lane. I immediately braked and my front bumper hit the side of their front bumper.). There was also a witness that I flagged over, so there is a third party that would confirm my story. At this point should I get a lawyer? How can one say I’m 100% NOT at fault, while the other claim I’m 50% at fault?

Car Insurance: does policy holder have to be main driver?

admin — Fri, 26 Feb 2010 05:29:03 +0000

Jim asked:

My girlfriend was just in a car accident and we need to get a new car. She drives the car for work and i get the train. I only really use it on the weekend.

Can i take out a policy on the new car and have her as a named driver, even tho she is the main driver? It works out much cheaper to do this as she has 6 points and a claim, while i have 2 NCB and a clean licence.

I filled in an online application and one of the options allows me to select Business Use for All. I assume this will cover both of us for any use regardless of who drives more?

Thanks for your help

JR
Well i am being honest i have to declare her convictions and claim during the process. My point is that Business Use for All suggest it covers her driving needs. I will contact an insurer and ask them. Certainly at no point was i suggesting i would commit Fraud! Thats why i asked here first. Thanks for responses all the same
Ok, i have spoken to insurance company (2 of them) and both confirmed that we would be covered and it was fine.

You really shouldnt give advice unless you are 100% sure that you are correct, or at least quote a source.

I will think twice before using Yahoo Answers again.

Thanks to the genuine responses. To the others, you are all bozos!

where can i find an insurance policy that lets a certain amount of drivers drive any vehicle?

admin — Wed, 02 Dec 2009 01:37:57 +0000

ljg asked:

that is with in there allowance on there licences for a construction Business

I need Public Liability Insurance but have been made bankrupt is there any company that will insure me?

admin — Mon, 16 Nov 2009 15:34:01 +0000

S A asked:

I have recently been made bankrupt but have been told by the O.R . that I am able to continue to work, however my job in property maintenance requires public liability insurance I have not yet been able to find a company the will take me on despite me offering to pay a years money up front.Does any one out there know of a company that might entertain me?

Traders insurance policy ?

admin — Tue, 10 Nov 2009 04:56:59 +0000

woody asked:

hi ppl i was just wondering if it would be better to get traders policy as i buy and sell cars but only as an hobby at the moment (would like to get my own business going) cause normal insurance is killing my pocket swapping and changing cars and some insurers won’t freeze it so i have cancel them and i lose a lot of money doing that. Has anybody got any ideas how much they are, how good they are many thanks.

I have my own photography business?

admin — Fri, 23 Oct 2009 18:59:04 +0000

totalcabbage2 asked:

I MAINLY DO WEDDINGS, I OWN A VERY NICE JAGUAR AND WOULD LIKE TO OFFER A FREE CHAUFFEUR SERVICE TO MY CUSTOMERS. I WILL NOT BE CHARGING ANYTHING EXTRA FOR THIS SERVICE, ITS JUST COMPLIMENTARY. DO I NEED HIRE AND REWARD INSURANCE OR CAN I JUST USE MY NORMAL INSURANCE, IVE LOOKED INTO HIRE AND REWARD AND IT WOULD COST A COUPLE OF GRAND. DOES ANYONE KNOW WHAT I CAN DO?