MikeInWimbledon
Hardcore MB Enthusiast
- Joined
- Nov 8, 2014
- Messages
- 10,179
- Car
- (Ex S211 E500, W212 E500, C216, S212 E500, W211 E500 5.5, W221 S500, S211 E500, SL500, S500, E55)
I don't understand insurance claims. I've driven three quarters of a million miles without needing to make a claim. I lead a simples life
My wife's cheap (£2,500) MX5 was hit while parked, with damage being restricted to the passenger door.
The driver accepts full responsibility and wants to proceed with an insurance claim to pay for it (Direct Line). Direct Line have told us that their client, the driver, accepts full responsibility.
Simples? But is there a downside to me in letting them process the repair? Despite them admitting liability, can I lose no-claims liability,
can I have a problem due to my insurance excess, or
through increased premiums going forward?
A new door and paint blending is the most likely insurance outcome with a cost of £1500.
A recommended panel beater could repair the door for less than £500.
"What does the team think?" Just do it? It's simples?
My wife's cheap (£2,500) MX5 was hit while parked, with damage being restricted to the passenger door.
The driver accepts full responsibility and wants to proceed with an insurance claim to pay for it (Direct Line). Direct Line have told us that their client, the driver, accepts full responsibility.
Simples? But is there a downside to me in letting them process the repair? Despite them admitting liability, can I lose no-claims liability,
can I have a problem due to my insurance excess, or
through increased premiums going forward?
A new door and paint blending is the most likely insurance outcome with a cost of £1500.
A recommended panel beater could repair the door for less than £500.
"What does the team think?" Just do it? It's simples?