MARTS2K

You could get tucked up this way go through the insurance its less risk!! Trust me!

masterff

You can't go Protected No Claims if you only have 3 years to begin with.


I would be protected No claims otherwise and would of gone through the insurance.

Boab01

Most claims = a 2 year step back so you ought to be 1 years NCB. However if you can actually buy the guy a car for less than it's going to cost you then perhaps it will be better if you find a car with him or agree a value for the car and give him the cash?

The thing about suing you for whiplash is absolutely spot on though, course he would have had to report it to the police at the time of the incident.

masterff

this is what I want to do is either buy the car off him, supply an alternative subject to his agreement or do the repair. It will probably be cheaper to supply a alternative or buy his car rather than the repair route.

integra_man

If I was him I wouldn't be happy with this. It sounds like a big pain in the arse TBH, and I'd want the insurance company I was paying for to sort it out on my behalf rather than all this negotiating. Especially if I was about to go on holiday. But that's just me....

Boab01

Then you'd be mad because the insurance company will just write it off and give you back even less than the guide price on the car. Everyone loses that way.

integra_man

If you take their first offer then yes (which is what no sane person with an ounce of experience in dealing with insurance companies would do)

What if the guy simply wants his car fixed?

masterff

finally someone speaks sense.

i'd rather have

masterff

if he wants it fixed I will ask him if he wants to sell it for

Si2k

You can always settle the insurance claim value once the claim has been closed. This way you keep your NCB and interestingly it is then known as a 'non fault accident'. Wierd