100s of titles, one news app for just $10 a month.
Latest Lifestyle news:
You need to watch Tom Cruise’s most iconic thriller before it leaves Netflix this month
It’s infamous. It’s ridiculous. It’s awesome.
Read news from The Economist, FT, Bloomberg and more, with one subscription
Learn More
What Philip Guston’s Cartoonish Paintings of Klansmen Urge You to See
The artist’s depictions of bumbling “hoods” lure viewers into lingering—and not looking away.
The latest numbers on state legislative primaries
Welcome to the Tuesday, May 24, Brew. 
US military plane flies in 35 tonnes of baby formula from Germany
The first shipment of infant formula lands in Indianapolis to address a critical shortage in the US.
Rabat Hosts 27th Edition of International Book, Publishing Fair
Morocco is scheduled to host the 27th edition of the International Book and Publishing Fair (SIEL) in the capital Rabat…
From analysis to good news, read the world’s best news in one place
Halsey's record label won't release a new song until it goes viral on TikTok. Is this the future of the music industry?
On Sunday, popular American singer songwriter Halsey shared a video on TikTok with tinny music in the background, the on-screen…
Hacks Rewrites the Road-Trip Comedy
The HBO Max show’s second season is refreshingly free of easy epiphanies and life lessons.

Crash course: how to haggle with insurers after a car accident

By Jesse Noakes
man looking at crumpled hood of damaged car
‘It’s always better to use the other party’s insurance if they have it’: what to do when you’ve had a car accident. Photograph: Beton studio/Alamy

My body knew the accident was coming a few minutes before it did. I’d just picked up my friend from the centre of a regional town and pulled back on to the highway when I felt a tension across my thighs like a shot of cortisol.

Moments later, waiting at the last set of lights before the open road, another car slammed into the back of my Subaru Forester and – almost a decade after getting my first car – my thoughts turned to insurance for the first time.

If you can, claim through the other party

Immediately I sensed my car was a write-off – it was a hefty whack, although my body absorbed the impact OK. The other driver was suitably apologetic, which made things a lot easier; they accepted full liability, and we swapped licence details and got out of there before the lights had gone red again. I’d taken some quick photos at the accident site, then pulled over shortly afterwards to inspect the damage more closely and get more photos.

By the next morning, my diligent opposite number had already lodged a claim with his insurer, which suited me.

Jane Foley, the acting director of casework at the Financial Rights Legal Centre, advises that it’s always better to use the other party’s insurance if they have it. “You don’t have to pay the excess,” she says. “And then you’re not bound by the terms of your own policy.”

You might, for example, have an agreed value as part of your car insurance policy, and you’d still be limited to that despite considerations like the car market inflating due to supply chain issues.

‘Do not give your power to the assessor’

According to Foley, I got the next step wrong, although I got away with it. “My first advice is do not let the other insurer inspect your car,” she says. “The only reason they want to inspect your car is to then devalue it.”

Damaged back of Jesse Noakes’ car
Jesse Noakes sensed the Forester was a write-off, a suspicion that was quickly confirmed. Photograph: Jesse Noakes

In my case, I’d already confirmed my intuition of a write-off with a friendly mechanic who declined to do the paperwork but pointed me round the corner to the insurer’s nominated repairer, who immediately deemed my Forester a “total loss”. However, they also filed a bunch of their own photos with the insurer, which were then the basis for endless references to “sun damage to the paint job” as grounds for reducing the valuation.

“I always tell people: do not give your power to the assessor,” Foley says.

I was happy to green light the write-off, but if you feel more attached to your car and believe it should be repaired, there are time limits you should be aware of. “The insurer has 10 days to assess it and get back to you,” says Uta Mihm, an insurance specialist at consumer advocate Choice. “And if you don’t want to write it off, you only have seven days to dispute that.”

Do your research

For me, it was time to play hardball. I knew everything I said on the phone would be recorded, so I made sure I had my ducks in a row before taking the call from the claims assessor.

The most important thing to clarify was the likely market rate for my vehicle. Redbook, Glass Guide and The Drive Guide are industry price guides and by looking under the hood of my car and finding the VIN code, I was then able to use an online tool to confirm the make, model and year of my vehicle.

Price comparison table Jesse Noakes made to show the insurer the value of his vehicle. It has columns for the year, price, listing date and links to listing for many similar vehicles.
The price comparison table Jesse Noakes made to show the insurer the value of his vehicle. Photograph: Google Sheets

To stack up the case, I borrowed a tip from the journalist Royce Kurmelovs, who wrote Just Money after his own experience after a car accident. Kurmelovs suggests making a table with the make, model and year in one column and the prices similar vehicles are selling for in another, which you can find by scanning resale sites like CarSales, Gumtree and Facebook Marketplace. It turns out that lots of people are trying to off-load mid-2000s Subaru Foresters, so I had a plethora of references.

While Foley advises presenting a formal letter of demand to the other party to resolve the claim, I opted to email their insurer with a clear and compelling outline of factors bearing on my expected valuation, with links to citations such as the price comparison table I had made.

Consider personal injury

One thing that wasn’t priced into the equation is personal injury. Although my passenger woke up three days later unable to lift his arm above his shoulder, it turns out he’d just slept on it badly.

As Mihm notes, compulsory third party insurance, which is paid during vehicle registration, covers these costs – provided you are not at fault for the accident. “You’re covered for pain and suffering, loss of wages, claims management expenses, care and support such as medical treatment and rehabilitation,” she says.

Tie up loose ends

The insurer rang around some wreckers but couldn’t find anyone who’d pay them for my damaged car, so I got to keep it too.

In the end, I was able to score more for my Forester on the second-hand private market than selling it for salvage to a wrecker. I coaxed it up the coast in the dead of night (wearing four layers with all the windows down, to combat exhaust fumes pouring in through the boot) and sold it on Gumtree.

By now, the insurer had come back to me with an offer that was more than 50% up on their initial proposal, passing the threshold I originally set myself.

All that remained was to insist the insurance pay for a hire car, and we had a deal I was happy to settle.

What is inkl?
The world’s most important news, from 100+ trusted global sources, in one place.
Morning Edition
Your daily
news overview

Morning Edition ensures you start your day well informed.

No paywalls, no clickbait, no ads
Enjoy beautiful reading

Content is only half the story. The world's best news experience is free from distraction: ad-free, clickbait-free, and beautifully designed.

Expert Curation
The news you need to know

Stories are ranked by proprietary algorithms based on importance and curated by real news journalists to ensure that you receive the most important stories as they break.