ACCIDENT INSURANCE QUESTIONS

Whether You're Driving For Business Or Pleasure, Accidents Do Happen, Bringing With Them All Kinds Of Insurance Hassles. Here Are Some Common Answers To Some Common Questions On The Subject..

Question:



I reversed into the side of a stationary vehicle last month, and decided to resolve the matter privately with the owner. He got an estimate for the repairs, which I agreed to pay. Now the owner is asking for more money what should I do?



Answer:



The first thing to note is that dealing with insurance claims privately can be very complicated and very expensive. It's why it's always advisable to take professional advice. Technically, by accepting to foot the bill, both of you have entered into a binding contract to deal with the damage caused by you. However, you have agreed the damage based on an estimate and not a quotation and so if further damage is found when the repair work is underway, then you risk having to pay more to complete the repairs.



Question:



Someone smashed into the front of me after jumping the lights. My car has to go into a bodyshop for repairs, am I entitled to a courtesy car?



Answer:



Courtesy cars are usually offered by the repairer or your own insurer and are generally restricted to small cars like a Ford Ka...