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damage to car on shared drive
we have a shared drive with one part of it belonging to our neighbour, we\'ve parked on it occasionally in the past with no problems but they reversed their car into our whilst it was parked on that part of the shared drive. Can we claim against their insurance?
Answers
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As with all road traffic collision damage, you do NOT have a claim against the Third Party’s insurers. You only have a claim against the Third Party himself. He may well choose to ask his insurers to settle the claim on his behalf (provided he is covered for the specific risk) but that is for him to decide.
09:45 Tue 10th Nov 2009
As with all road traffic collision damage, you do NOT have a claim against the Third Party’s insurers. You only have a claim against the Third Party himself. He may well choose to ask his insurers to settle the claim on his behalf (provided he is covered for the specific risk) but that is for him to decide.
This means that it is irrelevant where the collision took place. Even if it was on entirely private land, not covered by any of the Road Traffic Acts, somebody causing damage to another’s property can be considered liable if it can be shown they were negligent.
So it is your neighbour to whom you should address your claim, and your neighbour against whom you should take any court action (should it be necessary) to recover your costs.
This means that it is irrelevant where the collision took place. Even if it was on entirely private land, not covered by any of the Road Traffic Acts, somebody causing damage to another’s property can be considered liable if it can be shown they were negligent.
So it is your neighbour to whom you should address your claim, and your neighbour against whom you should take any court action (should it be necessary) to recover your costs.
There is no reason why you can't claim against them, but the procedure depends on the cover that you have under your own policy. If you have Comprehensive cover it is usual to claim under your own policy first so that the damage can be repaired without delay. Your insurance company will then write to your neighbours insurer holding them responsible and should be able to recover their outlay. Once this has been done your no claims discount will be reinstated (unless you have protected no claims discount, in which case it won't be affected). If your car was parked up when hit then liability should not be in dispute and it should be straight forward.
If you have TPFT or TP only cover then your own insurance company will not get involved and it will be up to you to claim directly from your neighbours insurers.
It might be that your neighbour wishes to pay for the damage him or herself and not involve his insurer, which is fine if you are in agreement to this.
If you are claiming via your insurer then any policy excess will be classed as an Uninsured Loss and will usually need to be recovered separately from your neighbours insurers, although nowadays some insurers will recover your excess for you at the same time they recover their outlay if you ask them. If not and you have taken out optional Legal Expenses cover this will recover your excess for you, otherwise you will have to write to your neighbours insurers yourself.
Hope this helps.
If you have TPFT or TP only cover then your own insurance company will not get involved and it will be up to you to claim directly from your neighbours insurers.
It might be that your neighbour wishes to pay for the damage him or herself and not involve his insurer, which is fine if you are in agreement to this.
If you are claiming via your insurer then any policy excess will be classed as an Uninsured Loss and will usually need to be recovered separately from your neighbours insurers, although nowadays some insurers will recover your excess for you at the same time they recover their outlay if you ask them. If not and you have taken out optional Legal Expenses cover this will recover your excess for you, otherwise you will have to write to your neighbours insurers yourself.
Hope this helps.
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