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Old 12.04.2021, 17:18
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Quick Question: Do you report to your car insurance when somone else hits your car?

I'm sorry if this has been covered before, as I searched and didn't find anything this specific...


The (Swiss) wife had her car hit in the parking lot. Brand new car. The guy who did it reported it to his company's insurance (company car) and they are offering to pay for it and selecting garages that can do the work. I'd prefer the garage we bought it from did the work, but whatever.


The weird thing to me -- and I just want to check if I'm actually in the wrong on this -- is that my wife doesn't want to report the accident to her insurance. In the States, this is mandatory. The insurance is tied to the value of the car, and if there has been any work, then the value of the car changes. So it would make sense for the same policy to be in effect here. The wife assures me that it isn't necessary.



So, am I wrong? Do you not have to report damage to your car if another insurance is covering the repairs?
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Old 12.04.2021, 17:26
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

you need to report claims to the company. I assume the car is leased?

you can also tell them you want to use the garage of your choice, I believe. If the car is leased and it's new then the supplying garage would be a good choice to have the work done (thinking about when it's given back).

I guess the damage is mostly cosmetic, plastic and paint? That'll be 3'000 please
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Old 12.04.2021, 17:28
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

In short, YES!

(unless you do a cash deal)

Tom
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Old 12.04.2021, 17:42
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

Yes. I reported a similar incident to my insurance and the two insurance companies sorted it out between themselves. Itís no disadvantage to you if the other parties insurance pays in the end.
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Old 12.04.2021, 17:56
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

Recently happened to me and I posted about it here..
In short I did not report it directly..

My neighbour hit my car in our driveway .. I gave my neighbour a copy of my grey card, they reported it to their insurance .. I received a letter from my insurance with the details of the incident, authorising me to have it repaired, just saying whatever garage had to call them first.

That was it. I dropped it at the garage, picked it up the following day, never saw another piece of paper work.
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Old 12.04.2021, 17:59
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

Been rear ended twice and both times simply took the car to my garage with the info of the other driver's insurance. No problem. Even had the rental paid for. The first time the other driver asked if it could be fixed at a friend's shop. Told him that I preferred my garage, but thanked him for his offer.
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Old 13.04.2021, 11:35
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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I assume the car is leased?

Nope. We just bought it.




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Recently happened to me and I posted about it here..
In short I did not report it directly..

My neighbour hit my car in our driveway .. I gave my neighbour a copy of my grey card, they reported it to their insurance .. I received a letter from my insurance with the details of the incident, authorising me to have it repaired, just saying whatever garage had to call them first.

It does sound like their car insurance is through the same company as ours, so it seems they will find out about it. I suppose it's good to know that even if she doesn't report it, they will find out and not get weird about it. Still, I don't understand why she is so adamant about not reporting it herself.



Well, whatever. That's a thing between us. Thanks for the info.
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Old 13.04.2021, 11:44
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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Been rear ended twice and both times simply took the car to my garage with the info of the other driver's insurance. No problem. Even had the rental paid for. The first time the other driver asked if it could be fixed at a friend's shop. Told him that I preferred my garage, but thanked him for his offer.
This.

After the inevitable "I'm sorry" followed immediately by "I didn't think you'd stop, why didn't you pull out" and other excuses to cover their embarrassment.
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Old 13.04.2021, 11:46
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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It does sound like their car insurance is through the same company as ours, so it seems they will find out about it. I suppose it's good to know that even if she doesn't report it, they will find out and not get weird about it. Still, I don't understand why she is so adamant about not reporting it herself.

Well, whatever. That's a thing between us. Thanks for the info.
Your Swiss Miss is correct. It is not necessary to report it to your own insurance. If properly fixed the car will not change value.
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Old 13.04.2021, 11:51
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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If properly fixed the car will not change value.
However I try to buy second hand cars with original paint, as it lasts much better, I tend to own cars for a long time. After 5 years a resprayed / replaced panel will look worse than the rest, more stone chips parking damage etc as the paint is always softer.
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Old 13.04.2021, 12:28
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

No, if the other party is paying and you're not making a claim against your own policy there is no requirement to inform them. Certainly they don't try and devalue a vehicle based on accident repairs as suggested. Does that really happen in the US?

If you do have vollcasco, of course, it might make things easier to let them sort it all out for you, but I can underttand your wife's reluctance to do so, as there may be circumstances in which the insurance companies decide to apportion some blame to each side even if one party would have been prepared to take full responsibility. Unlikely to be the case here though.
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Old 15.04.2021, 14:33
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

Just read this.
https://www.srf.ch/sendungen/kassens...entschaedigung
Considering that it is new, you can demand payment for your car's reduced value due to it being in an accident or perhaps demand a new replacement vehicle.
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Old 04.05.2021, 13:53
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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However I try to buy second hand cars with original paint, as it lasts much better, I tend to own cars for a long time. After 5 years a resprayed / replaced panel will look worse than the rest, more stone chips parking damage etc as the paint is always softer.
I agree, it's worst to buy a second-hand car without original paint. because we don't know what will happen to second-hand car
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Old 04.05.2021, 13:58
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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I agree, it's worst to buy a second-hand car without original paint. because we don't know what will happen to second-hand car
You can get a paint depth gauge so can be pretty sure the extent of damage or how much filler has been used, it's just never the same as factory original paint.
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Old 04.05.2021, 17:11
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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You can get a paint depth gauge so can be pretty sure of the extent of damage or how much filler has been used, it's just never the same as factory original paint.
Yes we can't replace this with original factory paint, finishing and outlook of a car will be totally different
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Old 04.05.2021, 18:31
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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Yes we can't replace this with original factory paint, finishing and outlook of a car will be totally different
Modern colour matching works really well. Specialist paint shops match the colour and it will be really hard to know if it was ever painted unless you are informed about the accident location or as FMF have said, with a paint depth gauge.

The most important concern is how carefully the accident repair was done. Most "off street" car sellers have cars at very good prices, which should be triple checked before purchase. I know that some accident cars go out of Switzerland for very cheap repairs.

I was told that even in Switzerland some do "cash deals" after accidents, which never get reported to the insurance. They repair the cars at cheap garages and (pretty sure) sell it afterwards without informing anything about its history. One good example is that here on EF, I remember a thread where the seller would not guarantee that car is accident free and the OP was a little concerned over it (I would be too).
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Old 04.05.2021, 18:40
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Re: Quick Question: Do you report to your car insurance when somone else hits your ca

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This.

After the inevitable "I'm sorry" followed immediately by "I didn't think you'd stop, why didn't you pull out" and other excuses to cover their embarrassment.
Is this a car accident or an unwanted pregnancy that you're referring to?
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