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Insurance claim: Is this normal?
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 533

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4
Insurance claim: Is this normal?

Son's car was hit by a bus last week. He was stationary at traffic lights (actually at the white line). Bus coming towards him wanted to turn right into a side road just behind him, and in making the turn, scraped down the rear corner of his car. Bus stopped, driver admitted it was his fault - said he was on his phone at the time.

Son told his insurer, who are more than happy it's not his fault, and are handling the claim against the bus company. Their insurer has directed my Son to a repairer (who's seen the car), and he's just waiting for the repairer to confirm a date for taking the car in.

And now the bus company have been in touch with him, and sent someone round to see him who's told him that he should cancel his claim and let them fix it privately. Apparently it's "in his best interests". WTF? It's already on my son's insurer's database as a claim regardless of whether he goes through with it, so how is it in my son's interests to drop the claim? He's not at fault.

I assume that this isn't normal - I've never actually had to claim off anyone for an accident.
  
Post #203830619th Mar 2019 11:53 am
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rrhool
 


Member Since: 28 Aug 2014
Location: Norfolk
Posts: 2178

United Kingdom 2007 Discovery 3 TDV6 SE Manual Zermatt SilverDiscovery 3

It's not unheard of to settle a claim without the insurers being involved, but this has gone too far now to go back.
Let it carry on through the insurance system, if you accept a cash offer, and there are further issues, you'll have no comeback.
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Post #203831019th Mar 2019 11:57 am
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Sea Raider
 


Member Since: 01 Nov 2016
Location: Argyll
Posts: 2069

Scotland 2006 Discovery 3 TDV6 SE Auto Cairns BlueDiscovery 3

Pass the details on to your sons insurance and let them deal with it.
No doubt the bus garage have their own bodyshop.
Have you seen some of the repairs to buses?
I wouldn't let them sort it.
Ask the bus company for a copy of the CCTV from the bus as you want the driver reported to the police for being on his fone.
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Post #203831219th Mar 2019 11:58 am
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 533

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4

Oh, I've no issue with the offer of cash to avoid a claim, it's the cancelling a claim after it's been put in the hands of the insurers, and the sending someone round to get in my son's face and seemingly to intimidate him - he's not prone to exaggeration so if he says the guy got right up in his face, I do believe him.
  
Post #203831419th Mar 2019 12:00 pm
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The Dundonian
 


Member Since: 21 Dec 2015
Location: A9
Posts: 3699

Scotland 2012 Discovery 4 3.0 TDV6 HSE Auto Barolo BlackDiscovery 4

Phone up Head Office, talk to someone with a bit of clout and make an official complaint about the conduct of their employee. Thumbs Up

As for them wanting to sort it out avoiding a claim, some of their excesses are well into four figures, so I suspect it’s probably cheaper for them to do it that way.
  
Post #203831819th Mar 2019 12:04 pm
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J77
 


Member Since: 03 Mar 2008
Location: Fife
Posts: 4985

Scotland 

I assume it’s not a large bus company?

The one I work for, it would be instant dismissal for the driver and report sent to the TC and claim paid without question. If it’s just a scrape, normally it’s just a question of getting quotes and the company pays the bill. Though we still have to fill out an accident report for the companies insurers.



The driver faces up to £2500 fine and a professional conduct hearing in front of the Traffic Commissioner.
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Post #203832619th Mar 2019 12:29 pm
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 533

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4

It's a large bus company. But Son has just clarified, driver was on hands-free kit (talking to his supervisor about the route??), so perhaps not as bad as it sounded.

Still unimpressed with the strong-arm tactics today though.
  
Post #203832919th Mar 2019 12:36 pm
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J77
 


Member Since: 03 Mar 2008
Location: Fife
Posts: 4985

Scotland 

Is this a Scottish based company? Blue, red, white and orange?

I know my company has a strict mobile policy, its use is banned from the cab altogether, even when stationary in a safe place.

As others have said though I think it’s went too far to cancel the claim, you can report the company if they are using bullying tactics.
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Post #203833319th Mar 2019 12:43 pm
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 533

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4

It's Brighton & Hove buses, apparently part of the "Go Ahead" group - so no, not StageCoach. Whilst I can understand that the company might think they can fix his car at a cheaper cost (to them), I'm a little miffed at their apparent bully-boy tactics on this. Makes me wonder if they use the same pressure tactics against lone females.
  
Post #203857920th Mar 2019 9:38 am
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Russell
 


Member Since: 24 Aug 2007
Location: Kent
Posts: 10090

United Kingdom 

Seem to remember somthing on the news about them doing this recently to somone else
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Post #203858020th Mar 2019 9:47 am
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Stumog
 


Member Since: 24 Mar 2018
Location: Bristol
Posts: 137


Often the excess of there policy is so high £25k plus it makes no sence to go through insurance anyway. Alot of the time they just either pay the bill for a small knock or if a bigger one they buy the car and give you x on top to.settle.

It's quite common in bus companies to work outside of insurance.

As you say could have been handled alot better if your son felt intimidated
  
Post #203858520th Mar 2019 9:53 am
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gareth71
 


Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 186

Wales 2009 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

If I was in his shoes and felt that the bus company had behaved in a manner which was in any way intended to intimidate, it would make me all the more determined to pursue the 'official' course and make them suffer as much as possible! Cheeky barstewards.

Also, I suspect that if they were given the opportunity to sort out the repair via a route of their own choosing, it would be the cheapest possible repair without any consideration given to the quality of it. I wouldn't entertain that idea for a moment. Aside from that, now that you've opened a claim with your insurers I don't know where you'd stand if you suddenly withdrew/cancelled it - but I'd be very wary of whether it would still be recorded as a 'non-fault' claim if it wasn't allowed to carry through to completion. It might not matter - but I personally wouldn't risk it. They're only interested in keeping it internal in order to save themselves money and hassle - I don't see how it would be of any benefit at all to your son, and may well end up being to his detriment.
  
Post #203986824th Mar 2019 5:30 pm
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charlietortoise
 


Member Since: 29 Oct 2011
Location: Staffordshire
Posts: 296

2010 Discovery 4 3.0 TDV6 HSE Auto Barolo BlackDiscovery 4
Insurance

A while ago now my wife rang the insurance about a car park bump. She decided the excess was too much and so we didnt bother with a claim (got a mobile dent man to do it for half the excess).

When we went to renew her insurance she was registered as having had an accident. So I suspect that your son having had reported it, there is no going back and unaccidenting it. Thumbs Up

In any case why would he, in my mind thats what we pay insurances for, to step up and manage the situation in the event of a problem.
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Post #203999925th Mar 2019 8:06 am
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 533

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4

Yep, I've been there too - had a girl run into the back of my Disco, did no damage to me but badly damaged the front of hers. She told her insurer who told mine - so even though I never claimed, I've got an accident on my record!

Anyway, it's all still in the hands of the insurance. The garage that assessed the car for the insurer thinks that there's alignment problems on the back, so they've taken his car away to be fixed and he's running around in a Mondeo at the moment. I bet the bus company's body shop would have just painted the bumper and left it at that!
  
Post #204010525th Mar 2019 3:41 pm
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L319
 


Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 1635

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

I believe a lot of bus companies sort of self insure, and just deal with accident damage themselves. I had a bus run into my LR years ago & just claimed directly off them.
  
Post #204012225th Mar 2019 4:31 pm
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