Fiat Coupe Forum
- Founded by Kayjey & James Northam
- Funded by the Club for the benefit of all owners
Fiat Coupe Club UK
join the club
Fiat Coupe Forum
 
» Announced
    Posting images


» Related sites
    Main club site
    fiatcoupe.net


» External data
    owners listed
 
Who's Online Now
0 registered members (), 51 guests, and 3 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums69
Topics113,664
Posts1,339,815
Members1,629
Most Online1,570
Dec 2nd, 2024
Top Posters(All Time)
barnacle 33,754
stan 32,122
Theresa 23,320
PeteP 21,774
bockers 21,077
JimO 17,917
Edinburgh 17,670
Nigel 17,370
RSS Feeds
Club Events
Club Information
Track Events
Rolling Road/RWYB
Social Events
Non-UK Events
Coupé Related Chat
Coupé Spotting
Coupé News/Press
Buying/Selling Advice
Insuring a Coupé
Basic FAQ's
How to Guides
Forum Issues
Technical Problems
General Maintenance
Styling
Tuning
Handling
ICE and Alarm
Coupés for Sale
Coupés Wanted
Parts for Sale
Parts Wanted
Group Buys
Business Forum
Other Vehicles for Sale/Wanted
Other Items for Sale/Wanted
Haggling/Offers
Ebay links
Other Cars
Other Websites
General Chat
Previous Thread
Next Thread
Print Thread
3rd party insurance - quick question #961605
05/01/2010 20:53
05/01/2010 20:53

B
Big_Muzzie
Unregistered
Big_Muzzie
Unregistered
B



My brother had his car hit by someone else and he's 3rd p f&a. He just rung and said he won't get a pay out because he's 3rd party - is this right? Surely if it's the other party's fault then their insurance covers it?

Thanks

Re: 3rd party insurance - quick question [Re: ] #961617
05/01/2010 21:02
05/01/2010 21:02
Joined: Sep 2008
Posts: 1,336
Selby
Mansilla Offline
My job on the forum
Mansilla  Offline
My job on the forum

Joined: Sep 2008
Posts: 1,336
Selby
Quick answer - Yes. Someone else hits you, their insurance will cover your loss. Assuming they are insured, that is....


1. Think of something witty and urbane
2. Imagine it written here
Re: 3rd party insurance - quick question [Re: Mansilla] #961633
05/01/2010 21:15
05/01/2010 21:15

B
Big_Muzzie
Unregistered
Big_Muzzie
Unregistered
B



That's what I thought.

Re: 3rd party insurance - quick question [Re: ] #963576
09/01/2010 12:40
09/01/2010 12:40

M
mj88
Unregistered
mj88
Unregistered
M



make sure his insurance company aint trying to pull a fast

Re: 3rd party insurance - quick question [Re: ] #968630
18/01/2010 17:35
18/01/2010 17:35
Joined: Jul 2008
Posts: 151
Weston Super Mare
D
dbriglee Offline
Club member 2147
dbriglee  Offline
Club member 2147
On a journey
D

Joined: Jul 2008
Posts: 151
Weston Super Mare
true..... BUT only if you havent got motor legal protection!... It goes hand in hand really, if you go 3rd party, you need motor legal protection.
If he hasnt got it on the policy, then that is correct. If he has (and its normally 30 quid or so more), then you get a payout for your car (if its a write off), or a repair, or a percentage if it is classed as partial blame.

I am going to get round to writing an article up about insurance. So confusing. Ive learnt through experience. good luck

Re: 3rd party insurance - quick question [Re: dbriglee] #968631
18/01/2010 17:37
18/01/2010 17:37
Joined: Jul 2008
Posts: 151
Weston Super Mare
D
dbriglee Offline
Club member 2147
dbriglee  Offline
Club member 2147
On a journey
D

Joined: Jul 2008
Posts: 151
Weston Super Mare
But ... if you are 3rd party fire/theft ONLY, then no, you get nothing for your car... regardless of who is to blame.

Re: 3rd party insurance - quick question [Re: dbriglee] #968640
18/01/2010 17:46
18/01/2010 17:46

S
samsite999
Unregistered
samsite999
Unregistered
S



well thats wrong ^
If the other person is at 100 fault, your claming off the other persons insurance not your own. 3rd party insures covers you for the damage that you may cause to some one else's car, not your own, if indeed the accident is your fault.

That said however, if your 3rd party the other insurance company will likely treat you like scum as they know you have no one batting for your side and will likely get away with it

Re: 3rd party insurance - quick question [Re: ] #968740
18/01/2010 20:19
18/01/2010 20:19
Joined: Jul 2008
Posts: 151
Weston Super Mare
D
dbriglee Offline
Club member 2147
dbriglee  Offline
Club member 2147
On a journey
D

Joined: Jul 2008
Posts: 151
Weston Super Mare
sorry yeah of course... got carried away there.
I was just thinking if it was say 50% blame for each party.
I guess if your car was a write off, youd get 50 % of the write off cost.
If it's repairable, you'd have to pay half the total cost to fix it.
that right??

Re: 3rd party insurance - quick question [Re: dbriglee] #968919
19/01/2010 07:20
19/01/2010 07:20
Joined: Dec 2005
Posts: 12,546
Northumberland
A
AndrewR Offline
I AM a Coop
AndrewR  Offline
I AM a Coop
A

Joined: Dec 2005
Posts: 12,546
Northumberland
If the blame for the accident is 50/50, or anywhere close to that, then the two insurance companies are almost certain to go for a knock-for-knock settlement - this means that you pay for your own repairs and the other party pays for theirs. In this scenario you'd get no money at all if you were 3rd party and the relative amount of damage wouldn't matter - i.e. they won't give a damn if your car is written off, but the other party's has just a small ding on the bumper.

On the other hand, even if you are 3rd party only with no legal cover, your insurance company should be prepared to represent you when dealing with the other insurer. It's in their own best interests to do so, because it minimises the possibility of a claim against them by the other party.


Dear monos, a secret truth.

Powered by UBB.threads™ PHP Forum Software 7.7.1
(Release build 20190129)
PHP: 7.3.33 Page Time: 0.009s Queries: 14 (0.004s) Memory: 0.7737 MB (Peak: 0.8462 MB) Data Comp: Off Server Time: 2025-02-07 04:32:57 UTC