No one was injured first of all which is the main thing.
A jeep rammed into the back of my car when I was stopping at a busy junction in my city. The impact forced me to bump off the car in front of me. Everyone was fine, I was in shock but ok now, the car I bumped off only had a scratch at the back. The jeep that crashed into the back of me had a cracked number plate.
But my car was in bits, both back lights broken, boot squashed in, bumper forced into tyres, hanging off, the front bonnet was damaged badly...as was the front of my car too.
I am absolutely devastated, my car had to be towed away and I have no way of commuting into work (I live 20 miles out) and this is my jobs busiest time of year. It will be at least a week before I get a temporary car. Will I lose my no claims bonus and can my employers fire me for not being able to go to work? I'm really worried and upset. I loved my car and the damage is so bad it might be a write off.
The driver that backed into me claimed all responsibility.
All answers greatly appreciated, thanks.
Answer by sarch_uk
If someone rear ends you then it is entirely their fault and all claims should be made on their insurance policy not yours. There is no reason why you should lose your no claims bonus. Talk to your insurance company about it as they are in the best position to get all this sorted for you. You should also be able to claim for the cost of a hire car until you can get a replacement.
Answer by I should be doing something else
If someone goes into the back of you, nine times out of ten, it is their fault (due to not paying attention and not braking in time, or failing to keep a safe distance etc)
This means that it is the responsibility of their insurer to pay for the damage. You won't lose anything as you weren't at fault. You only lose your no claims if you claim of your insurance, not someone else's.
Luckily, the driver of the jeep is admitting liability, which is a bonus because sometimes people point blank refuse to admit liability even though they were clearly at fault.
Is there any other way at all that you can get into work, bus or train, or even someone you know in your area who is going in that general direction who can give you a lift?
Your employer won't (or shouldn't) fire you if you have a genuine reason for not being able to attend work, however I don't think they would be too happy if you don't attend just because you don't have your car. I'm not familiar with the area you live in, but 20 miles should be easily commutable by bus or train, even if it involves having to get two or three different buses to get there.
Answer by bluebell
As the others have said, you claim from the jeep owner's insurance.
My car repair place allows me use one of theirs while mine is being fixed. Where you get your normal service done, do they have spare cars? Does one of your neighbours (or family member) work close to where you do, and would give you a lift each way? You live in a city. How do the other workers get to work? You might be able to arrange travel with one of them. And it should be possible to get a temporary car straight away (not a week later) - even if it is a hire car, cost of which should be borne by the jeep owner.
What do you think? Answer below!
Orignal From: Been involved in a minor car crash in Ireland? Will I lose my no claims bonus?!?
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