Hello everyone,
First of all, I d like to say Hello to everyone and thanks in advance for any answer and tips.
I think I am in trouble....It is all about car accident, which I was a big STAR today....I hit the car driving in the front of me. I just didnt see it and drove into the bumper. My car is in really bad condition, all cooling water came down, broken bumper, light and etc. The other car is not to bad, just dent and scratches. I agree that was my fault, because the situation was very clear, so no doubt my fault. I got other reg plate no, mob, surname. In that car were 4 persons, 3 guys plus pregnant women. They seems to be all right, as far as I know they went to hospital to make scan for pregnant belly. I had 2 passenger in my car.
As far as I know how people like to use situation like that, they will probably claim for a car damage and whiplash. My 2 passengers they could claim for whiplash as well....:/ I am fully insured, comprehennsive, £300 excess, 10 years ncb protected, but got 9 points on my counterpart- all speed, my insurance company knows about it.
and now:
Can you please give me any advice and tell what could I expect?
1. Is that I have some points will affect on my driving license?
2. Will I loose my ncb?
3. Will I have to pay excess?
4. Will my company pay me for my car, is completely damaged?and if, how long it would take?
5. Will My policy get higher in next year?
I have never took part in any car accident in all my life, so I do not know what to do. I phoned up to my insurance company and told the story. They will phone me up tmrw again.
Many thanks for any answer- it will make me sleep better.
Best
First of all, I d like to say Hello to everyone and thanks in advance for any answer and tips.
I think I am in trouble....It is all about car accident, which I was a big STAR today....I hit the car driving in the front of me. I just didnt see it and drove into the bumper. My car is in really bad condition, all cooling water came down, broken bumper, light and etc. The other car is not to bad, just dent and scratches. I agree that was my fault, because the situation was very clear, so no doubt my fault. I got other reg plate no, mob, surname. In that car were 4 persons, 3 guys plus pregnant women. They seems to be all right, as far as I know they went to hospital to make scan for pregnant belly. I had 2 passenger in my car.
As far as I know how people like to use situation like that, they will probably claim for a car damage and whiplash. My 2 passengers they could claim for whiplash as well....:/ I am fully insured, comprehennsive, £300 excess, 10 years ncb protected, but got 9 points on my counterpart- all speed, my insurance company knows about it.
and now:
Can you please give me any advice and tell what could I expect?
1. Is that I have some points will affect on my driving license?
2. Will I loose my ncb?
3. Will I have to pay excess?
4. Will my company pay me for my car, is completely damaged?and if, how long it would take?
5. Will My policy get higher in next year?
I have never took part in any car accident in all my life, so I do not know what to do. I phoned up to my insurance company and told the story. They will phone me up tmrw again.
Many thanks for any answer- it will make me sleep better.
Best