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Old 09.07.2012, 20:37
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Split Liability after collision - who pays what?

Hi All,

I was reversing along a road last week when a car reversed out from a parking space and hit me causing considerable damage to my vehicle. My insurance company said that as both parties were reversing it would be split liability 50/50. Today they informed me that split liabilty means that the other parties insurers pay for 50 % of the damage to my vehicle and I am responsible for the other 50%???

I was initially told that split liability would mean my insurers pay for the other parties damage and their insurers would pay for my damage???

I am so confused! Can anyone shed any light on this?
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Old 10.07.2012, 01:15
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Re: Split Liability after collision - who pays what?

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Hi All,

I was reversing along a road last week when a car reversed out from a parking space and hit me causing considerable damage to my vehicle. My insurance company said that as both parties were reversing it would be split liability 50/50. Today they informed me that split liabilty means that the other parties insurers pay for 50 % of the damage to my vehicle and I am responsible for the other 50%???

I was initially told that split liability would mean my insurers pay for the other parties damage and their insurers would pay for my damage???

I am so confused! Can anyone shed any light on this?
Ahhh... What cover do you have on your policy? What have the 2 companies exactly agreed? Very unlikely that each party's TPL will pay the other party if blame has been deemed to be split, more likely a cap on the TPL has been applied...
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Old 10.07.2012, 10:30
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Re: Split Liability after collision - who pays what?

We have fully comprehensive insurance on our vehicle. The insurance company initially told me that split liability would mean that they pay for my repairs and I pay for theirs (or rather the respective insurers would). I am baffled...the other party had 3 scratches on her car and I need a full new bumper with brackets and parking sensors!

Thank you very much for your reply
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Old 10.07.2012, 11:09
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Re: Split Liability after collision - who pays what?

if its anything like the uk meaning then your insurance will payout, you'll have to pay your excess and you'll lose your no claims, if it was the other persons fault then you'd get your excess back from them.

basically you're going to be out of pocket

eta - thats assuming you're excess is less then the cost of the repairs
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Old 10.07.2012, 11:18
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Re: Split Liability after collision - who pays what?

It doesn't really matter who pays what for repairs as the insurance companies do that.

What it means for you is: You pay your excess and you lose your no claims and you have to declare the accident on insurance quotes for the next 5 years.

Unless the damage is 1000's it's usually cheaper to fix it yourself than make a claim as they will get it back from the excess and higher premiums for the next x years...
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Old 10.07.2012, 11:46
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Re: Split Liability after collision - who pays what?

Thanks for the replies. The damage is 3000chf!!! Have only had the car 2 month The excess is most definately the cheapest option and guess I will have to deal with the increase in premiums the following years. Very frustrating given that I don't believe I was at fault as I believe I had right of way...but heyho!

Cheers
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Old 10.07.2012, 11:58
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Re: Split Liability after collision - who pays what?

Why didn't the parking sensors work??
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Old 10.07.2012, 12:03
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Re: Split Liability after collision - who pays what?

You only have to pay more in the future if you don't have bonus protection on your insurance (or have more than one accident that is your fault in a twelve month period), which you do have, don't you?

Tom
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Old 10.07.2012, 12:04
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Re: Split Liability after collision - who pays what?

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I don't believe I was at fault as I believe I had right of way...
If you were reversing, which is what you said, then you did not have the right of way.

Tom
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Old 10.07.2012, 12:06
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Re: Split Liability after collision - who pays what?

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You only have to pay more in the future if you don't have bonus protection on your insurance (or have more than one accident that is your fault in a twelve month period), which you do have, don't you?

Tom
It's not that simple... You keep the no claims discount, but the premium to which the discount is applied to goes up... so you still pay more...
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Old 10.07.2012, 12:29
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Re: Split Liability after collision - who pays what?

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You only have to pay more in the future if you don't have bonus protection on your insurance (or have more than one accident that is your fault in a twelve month period), which you do have, don't you?

Tom
We do have that protection
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Old 10.07.2012, 12:29
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Re: Split Liability after collision - who pays what?

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Why didn't the parking sensors work??

The other party shot out of the space at some speed...guess she was too quick for my sensors!
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Old 10.07.2012, 16:09
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Re: Split Liability after collision - who pays what?

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It's not that simple... You keep the no claims discount, but the premium to which the discount is applied to goes up... so you still pay more...
Not necessarily, it depends on the company. Some may have a crappy bonus protection that increases the price but keeps the discount the same others don't. If a client was with us for example and had a claim with bonus protect the price remains the same and the bonus protect comes off until it resets the following year and is reinstated in the lack of a further claim. In such a case one may have one claim for accidental a year without penalty.

In the case of the OP:

Like BB2 says, If the companies have decided on 50 / 50 you will get half of the reparation costs paid, these will be recovered from the other drivers TPL. The remaining repair costs you must pay or claim from your full caso which you would be liable for the excess from. After the repair your declared "accident history" would be the one collision at a modest 1500 Chuffs, which would be viewed (company dependant again) usually as a fender bender.
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Old 22.10.2012, 11:03
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Re: Split Liability after collision - who pays what?

Hi all,

Many thanks for all the feedback when I first posted this question!

The accident occurred in July (beginning) and since then all I have heard from our insurance is that they are debating liability, they believe other party was more at fault.

Is it normal to not hear a word for almost 4 month? When should I expect a nice, big bill to arrive! 😀

Thank you all so much,
Vicki
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