giving/accepting cash or going through the insurance?

[bigman_10]

I've been reading a few crash threads recently and i'm interested in the route people take regarding claims? i'm just curious for future reference ( a bit pesemistic but better being prepared than clueless). if John Smith drove into the back of someone and the person infront wants to claim what should he do?

go through insurance?
Tell them to get the damage assesed then hand over cash?

likewise the other way: if john smith got bumped from behind

go through insurance?
offer to get the damage assesed and take cash?

i suppose it would depend on age and NCB protected or unprotected. i'mm really interested though because i'd usually want to carry out all repairs myself if possible so i'd generally ask for cash, but is this a bad idea?? what do others do?

some 106 once slammed her breaks on becuase of an 'idiot infront' and i flew into the back of her and the front end looked like a bomb site. she didn't have any damage and just said oh it's ok leave it. so i pissed of before she changed her mind, but later i wonder if she did it on purpose and if i could have got anything out of it?

[Chris 'N' Jen]

all i can help you with on that one is if you rammed her ass then its your fault and i bet there was a lot of unseen damage to her 106 so you did right to get out asap. 

[TurboBeast]

haha when did that happen as I may know the 106 that was involved!!  I had a friend involved in a similar circumstance no damage at all to her car upon inspection, little tanks them 106s!!

[bigman_10]

it was about december november i think cant remeber actually it was in nottingham though!

[Mikester]

And you wouldnt of got anything out of this claim when YOU HIT HER. Even if she said dont worry (she may have been at fault) you would have lost. I am waiting over 14months now for an insurance claim from somethign that wasnt my fault. let alone something that is!

[mr magoo]

Go through the insurance, every time 

[Ashley]

that's what it's there for... unless it literally is the silliest thing in the world..

I once saw this volvo extremely slowly nudge this car from behind and cracked 1 of tailights, so they sorted it out in cash there and then. But other than that insurance every time.

[Mooby]

Depends, if you're young and in your first couple of years driving, that first year's no claims can make a very big difference...  so if it's up to £500 or so it might actually work out better financially to give cash, or you end up with a claim on your record for 5 years which over that time will easily add up to more than £500 in increased premiums...

If you're older, or have protected NCD, then may as well go through insurance... 

[lawson_gti]

Depends, if you're young and in your first couple of years driving, that first year's no claims can make a very big difference...  so if it's up to £500 or so it might actually work out better financially to give cash, or you end up with a claim on your record for 5 years which over that time will easily add up to more than £500 in increased premiums...

If you're older, or have protected NCD, then may as well go through insurance... 

its on ur insurance for 3years not 5! i had 3crashes in my 1st year 1, i hit a parker car in the middle of the road chatting to some1else in there car an as he had no lights on i didnt realise till last mine an tried goin for the hedge, classed as my fault an no damage to there car bar 2 bullet holes. 2, i hit a car on a hill ridding the cluch to slow down an never used breaks so once again i was givin blame then 3, i got hit on rounder bout in the passenger die an got more for the carthan wat i paid so was happy!but stilli got 2 claims on insureance and im 19 have no nbc and my insurance on a mk3 2l gti 8v is only 1168 on my own policy!!so in the end it worked out 4me

[ben1.8T]

If your blatently in the wrong and you done wanna lose your no claims and have got the money I would pay cash. It will save you more money in the long run and will take you years to get your claims back.