Rear end at 5km/h, will anyone insure me?

ZappaMan

Hi all,

Quick query for you - will give bit of background first. I'm in my mid 30's and have never had a claim made against me. I am insured with Supervalu who are underwritten by AIG. A few months ago I was involved in a very minor car accident, it was a 3 car collision in which I was at the very rear. The 2nd car went into the first car pretty hard and I tipped into him at about 5km/h after hitting the brakes. No damage done to my car or the back of his, only damage done to the front of his (have sent all photos etc to insurer). Everybody perfectly fine at the scene. Couple of weeks later I receive 2 solicitors letters from the driver and his passenger claiming injury due to me going into back of him etc. Now I understand that I probably should have been more awake and that I am probably liable in some way for tipping into him. However, these injury claims are suspicious and for that reason I've not accepted any liabilty yet - my insurers are investigating, have sent engineers to inspect vehicles etc. To cut a long story short, I'm letting them deal with it.

A few weeks ago I received a letter from Supervalu saying that they were moving from AIG to Axa. My insurance is due for renewal in a couple of months and this is where I am confused. Will Supervalu offer to renew my insurance seeing as they are moving to a new underwriter? If not, will AIG renew my insurance as they are essentially insuring me anyway? And finally, is there any guide as to how much I should expect my insurance to go up by? Been driving for over 10 years with no claims until now.

Apologies for the long post but basically I'm worried that nobody will want to insure me!

antodeco

Sorry, just to clarify, the car in front of you rear ended the car in front of them, quite badly, and then you subsequently went into the back of them? Or, did you rear end the car in front of you, and push that car into the car in front?

ZappaMan

antodeco wrote: »

Sorry, just to clarify, the car in front of you rear ended the car in front of them, quite badly, and then you subsequently went into the back of them? Or, did you rear end the car in front of you, and push that car into the car in front?

He hit the car in front of him, and then I went into the back of him. Both were tips really but he must have gone in at bit more speed as he did a bit of damage to his bonnet. Luckily I saw him hit the car and hit the brakes myself. No damage to front of my car or back of his.

ZappaMan

Dubs1990 wrote: »

As far as I am aware the car that went into the back of the first car is also liable for any damage caused to your car.( stand to be corrected on this one) !

No damage to my car at all - I haven't claimed for any and don't need to.

ZappaMan

Bump.... Any thoughts on original post?

mickdw

Have you got protected no claims bonus?

ZappaMan

mickdw wrote: »

Have you got protected no claims bonus?

Unfortunately not, very silly of me.

mickdw

You will likely need to stay with current insurer while claim is on going. Not sure how that will will work with supervalue changing to axa but surely aig will have to keep you on cover. The accident is minor in the grand scale of insurance claims even with the injuries.

jimmycrackcorm

When you do an insurance quotation then you'll be asked if you have and claims or accidents