Vehicle damaged in school car park by pupil. Who's liable?
- Thread starter User
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Accy cyclist
Legendary Member
- Location
- The hills of Accrington
Yes. As soon as i saw the defendant, accused or whatever i'd make my mind up. There's no need to listen to all the waffle.
I'm quite a fan of medieval justice. You know where they dunk you, and if you drown you're innocent and free to go.
I'm no insurance expert and I can't offer any advice on who's liable. However, I do know that if you go letting your insurance company know, you will automatically become more of a risk, regardless of whether or not it was anything to do with you. There is a possibility you could see your base premium go up next year as a result, even if there's no claim, or even if someone else pays out and it costs your insurance company nothing.
Think carefully before going bleating to them about it. They're all the same - they'll use anything to screw more money out of you.
Think carefully before going bleating to them about it. They're all the same - they'll use anything to screw more money out of you.
Smokin Joe
Squire
- Location
- Bare headed cyclist, Smoker
Dodgy one that, because if you do not inform your insurance company you are in breach of the terms of your policy.
How would you possibly get found out? Ask some of the 100,000 people serving prison sentences, most of them thought they'd never get found out. When it comes to insurance it is always best to be upfront, even if it means taking a hit on the premiums.
glasgowcyclist
Charming but somewhat feckless
- Location
- Scotland
My insurance company (and most others) ask about any incidents, loss or damage etc at the point of renewal. I wouldn't lie to them; that's a crime and likely to cost more than any premium change.
GC
jonny jeez
Legendary Member
- Location
- Chislehurst, Kent, UK
Ouch...good luck with that in future.
Your insurance company are not paid for anything, they are not a professional services firm. They charge you to accept limited risk of repair or replacement costs.
If you just leave anything to them, it will likely result in them charging you even more or finding a neat way to avoid paying up.
The last time I rang my motorbike insurance firm...for an enquiry, they decided that they would adjust my premiums along with all the cars listed on my Multi car policy ( literally because my bike had fallen over on the drive, which I wasn't claiming for, I just wanted to report it in case the scratch on the left mirror and fairing came to light in any later discussions). Would have cost me a good £400 if I didn't then switch to another firm that was still owned by them.
Makes my head spin.
jonny jeez
Legendary Member
- Location
- Chislehurst, Kent, UK
Ermmm...see my post above.
jonny jeez
Legendary Member
- Location
- Chislehurst, Kent, UK
[QUOTE 4454024, member: 45"]That's the question. What's the answer?[/QUOTE]
Sorry, but why the ambiguity. Can you just explain what happened so that we can offer an opinion, rather than shooting in the dark.
Sorry, but why the ambiguity. Can you just explain what happened so that we can offer an opinion, rather than shooting in the dark.
GrumpyGregry
Here for rides.
I bet there is a VERY LARGE SIGN explaining the concept of "tough" in very florid language.
As @User14044 said, put it in the hands of the motor vehicle's insurers.
As @User14044 said, put it in the hands of the motor vehicle's insurers.
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I take your point, but I think there's a limit on what you need to say and not. My motorcycle for example has a piece broken off the fairing. I broke it while I was washing it once. Would I tell them? No. Because I broke it myself. If I had left it in the street and someone had walked past and pulled it off, would I tell them? No. I'd grumble and stick it back on later, even though it was someone elses fault, the latter being similar in a sense to the OPs situation.
If I'm not claiming for it, and no-one else is claiming for it, the police aren't involved, and no-one was hurt then I really don't think it's any of their business. But, that said, yes you are right. The rulebook "technically" says that you should, and that would be the disclaimer here.
