[Ishi]

Hey guys, i had accident with a bollard on pavement, which is bent now, and a wall which belongs to private house.
I was injured as well. I talked to to property owner and i told him i will pay to fix the wall, but i dont know who to talk regarding damage bollard.
and also want to ask if i can claim for injury? And if it will effect my NCB?

Thanks.

[Nick]

Hi @Ishi - welcome to the RAC Community and thanks for making your first post here, it's great to hear from you.

I'm not an expert but here's my thoughts on your questions:
The bollard will likely be dealt with through your local council's highways department, or street furniture team, you should be able to fid details out online.
As it sounds like you were at fault for the accident it is unlikely you will be able to claim for your injury - your insurance is there to cover injuries to third parties, other people - otherwise you would be claiming from yourself.

Depending on your particular situation at your insurer regarding NCB, making a claim will likely affect your NCB yes.

Having said all this, I'm not an expert and the best place to get those answers would be directly from your insurer.

Hope that helps,
Nick

[Beelzebub]

Originally Posted by Ishi

Hey guys, i had accident with a bollard on pavement, which is bent now, and a wall which belongs to private house.
I was injured as well. I talked to to property owner and i told him i will pay to fix the wall, but i dont know who to talk regarding damage bollard.
and also want to ask if i can claim for injury? And if it will effect my NCB?

Thanks.

You say it was a council bollard, so the obvious people to talk to are the council.

You must tell your insurers, they will pay for all the damages, but not for your injury.

[Ishi]

Originally Posted by Beelzebub

You say it was a council bollard, so the obvious people to talk to are the council.

You must tell your insurers, they will pay for all the damages, but not for your injury.

Many thanks for taking time and replying, i have comprehensive insurance still it will not cover me and the car is damaged as well.

[TC1474]

@Ishi As already mentioned you cannot claim for any injury if it was self inflicted. Your insurance will cover third party damage and injury and depending on your level of cover.

The damage to the bollard must be reported to the local council highways authority and be careful about offering to pay for the home owners wall independently. It often results in a much bigger bill. If your insurance is paying for the bollard it is just as easy to give them the bill for the wall as well and let them deal with it as one package.

It will of course affect your NCB but it will still probably be sheaper than paying for the damage out of your own pocket.

[Beelzebub]

Originally Posted by Ishi

Many thanks for taking time and replying, i have comprehensive insurance still it will not cover me and the car is damaged as well.

Your comp insurance will pay for the damage to your car (less any excess), but not your personal injury.

Since you are obliged to inform your insurer anyway, it makes no sense not to claim.

[olduser]

For anyone else who has not yet made an insurance claim, read the T&C first (even before you drive!) you will find a clause saying in effect, if you have a crash keep your mouth shut.

Even saying sorry, can be construed as an admission of fault, the respective insurers will want to negotiate between themselves, who is at fault to decide who's insurance has to pay.
This has little to do with what each claimant thinks, or who was morally at fault, occasionally this may end up in court but insurers try to avoid this, it just adds to the final cost.

In short, never admit liability, in theory, if your insurers want to (though it is rare) they could cancel your cover, because you said it was your fault.
Just do what is legally necessary, exchange details, and advise your insurers.
If the other party offers to pay, do not comment but do tell your insurers.

Recovery of damaged vehicles is in the cover so leave it to the insurers.

Do check your insurance T&C now - what to do if involved in a crash.
Because after a crash you are not in a sensible frame of mind to work out what to do.

What about my NCB?
In general, your NCB is chicken feed compared to the average cost of repairs, and most insurers have a system of knocking off 1 years worth of NCB where the claimant has several years NCB accumulated, so by the following year the damage to your NCB will be undone.

[Ishi]

Ok i understand, thanks very much for the reply