Bouncy Castle wrote:Surely the guy who hit hubby's car's insurance should pay for the damages?
Unfortunately, many insurance companies the no-accident discount as a 'No Claims Bonus' rather than a 'No Blame Bonus'. Having said that, in all fairness to them, once they recover the money laid out the no claims bonus is often reinstated (also in the case of 'knock for knock' where blame is established, by recovery of uninsured losses for example).
What has been affecting premiums for many years is the increase in 'fraudulent' claims and payouts brought about by the ambulance chasing lawyers. My mum had a no blame accident the other year when another car reversed into hers in a car park. She was getting daily phone calls from solicitors trying to persuade her to claim for injuries she never had.