Ins when someone hits your trailer and makes a claim?!

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clairencappelli

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On the way back from dressage a few weeks ago someone pulled out of a side road onto the road we were on ( a main road ) and hit my trailer with my horse on the back!.

The horse was fine and no damage to my trailer other than a broken wheel trim ( which i have kept ). He DIDNT hit our van that we tow with. The merc that hit us didnt fair so well and had a broken bumper. He admiteed laibility at the scence and we exchanged details and checked the horse and trialer and left.

The other driver said he would have to make a claim on his ins as the costs to repair his bumper would be high.

We have now received a request from his ins company for our ins details. Now as our van wasnt hit do we use the van ins as that was what we we were towing with or the trailer insurance?????

anyone been in this situation before
 
This may be me being dense, but if he is claiming on his own insurance, why does he need your ins details? It was his fault, so he shouldn't need yours? I'm only thinking this because if you damage your own vehicle by reversing into a wall - for instance- there wouldn't be another insurance co to deal with but you would still claim on your own ins (if damage was bad enough)

Phone both your insurance companies and ask their advice. Maybe he's trying to claim on yours, oulling a fast one?
 
You're supposed to tell your insurers of every little thing that happens, just in case. It'll be your trailer insurers. Give them a ring and explain what happened. You'll probably need to pass them all the info + witnesses + pix etc, then leave it to them.
 
Did you report this accident to the police within 7 days?

All accidents how so ever caused you are legally required to tell the police and then also your insurance company.

As for which insurance-car insurance & trailer insurance will need to know about this. They will then sort it out for themselves who pays what!
 
When my trailer is attached to my car it is covered by my car insurance.

When my trailer is not attached it is covered by my trailer insurance (NFU) attached to my horses policy.
 
Tell him to claim off the guy that hit you - which is what your ons co will do. And make sure you've informed your one co of the bump.
 
foraday said:
Did you report this accident to the police within 7 days?

All accidents how so ever caused you are legally required to tell the police and then also your insurance company.
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You only need to report it to the Police if there is an injury involved OR if the other driver fails to provide you with their details... or leaves the scene before doing so... The police simply do not have the resorces to deal with every single bump and scrap accident...

It would be your vehicle insurance that would need to be notified as that what was towing your tailer..
 
clairencappelli said:
On the way back from dressage a few weeks ago someone pulled out of a side road onto the road we were on ( a main road ) and hit my trailer with my horse on the back!.

The horse was fine and no damage to my trailer other than a broken wheel trim ( which i have kept ). He DIDNT hit our van that we tow with. The merc that hit us didnt fair so well and had a broken bumper. He admiteed laibility at the scence and we exchanged details and checked the horse and trialer and left.

The other driver said he would have to make a claim on his ins as the costs to repair his bumper would be high.

We have now received a request from his ins company for our ins details. Now as our van wasnt hit do we use the van ins as that was what we we were towing with or the trailer insurance?????

anyone been in this situation before
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you van insurance should cover the road risks for the trailer the 3rd party is legaly intitled to your insurance details, phone your broker and ask there advice asap!! as others have said you must inform your insurance co of any acident involving a 3rd party and the police, if there isnt personal injury, or the road isnt obstructed they wont want to attend, make a sketch of the scene and position of vehicles and any witnesses as you may need to fill in a claim form, I would get the trailer checked as it may have suffered some damage to the axle or wheel and you dont want to find its scrubbing tyres or has suspension damage after all this is sorted when the insurance will take care of it as part of the claim and if it is proven to be the other partys fault you wont lose your NCD or excess ....
 
Not sure if adds help or confusion to the mix, but when I was towing a friend's trailer and someone hit us, my car insurance wasn't interested as the trailer wasn't mine and I didn't have it insured. The trailer owner didn't have any insurance on it. Note: if I had damaged a third party with the trailer, then my car insurance would have covered the damage.

I had to go through one of the claim company's to get back the money I paid out to get the trailer fixed and to cover my physio sessions.
 
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