Automatic Handbrake Failure – What Do I Do Now?
I’m reaching out for advice regarding a situation with my partner’s car. I was driving it with the proper insurance coverage when the automatic handbrake suddenly failed. I stepped outside for a cigarette, and before I could do anything, the car started rolling and ended up wrapping around a telephone pole further down the street.
I’ve reported the incident to the police, and an officer arrived to arrange for the car’s recovery. He mentioned that they would conduct an ECU diagnostic to determine if I had inadvertently failed to engage the handbrake, as it’s a legal requirement to do so.
Currently, the insurance company is waiting for the car to be released for evaluation, and they’ll provide a courtesy vehicle since my partner needs it for work and to take our child to nursery. She has comprehensive insurance.
I’m concerned about the potential repercussions. I own a van insured for commercial use, where I also had a previous fault claim last year due to an accident involving a deer, which I know will increase my premium.
Since my partner’s car is under a standard policy (not commercial), I’m worried this claim will go against my name. How might this affect my commercial insurance, especially since I don’t have a no claims bonus anymore for my business insurance? Will I need to disclose this second claim during my renewal process?
Additionally, given that the car is relatively new (a 2020 model), is it reasonable to pursue a claim against Nissan for the handbrake failure?
I’m feeling overwhelmed and anxious about what comes next. Any guidance would be greatly appreciated.
Thank you!
I’m sorry to hear about the situation you’re in; it sounds very stressful. Here’s a breakdown of what you might expect and some steps you can consider:
Investigation: Since the police have mentioned that they will investigate if the handbrake was set, stay in touch with them for updates. If they determine that there was no negligence on your part, that could help with your claim.
Insurance Claim: Since the car is insured under your partner’s policy and you were listed as a covered driver, the claim will typically go through her insurance. It’s essential to provide all necessary details to the insurance company and cooperate with any evaluations they conduct.
No Claims Bonus: Typically, claims on a personal vehicle insurance policy do not affect your commercial insurance directly, but you should disclose any claims when renewing your business insurance. It’s best to ask your insurance provider how they handle these situations, as policies can vary.
Nissan Liability: If the automatic handbrake failed, you might have grounds to contact Nissan about potential defects, especially since it’s a newer model. Document everything regarding the incident, including the car’s service history and any relevant communications about the handbrake system.
Courtesy Car: Your partner’s insurance should assist in arranging a courtesy car during this process, especially given your partner’s work and nursery obligations.
Future Insurance Premiums: Expect that your premiums may increase due to this claim, especially since you already have a previous fault claim. It would be good to shop around for quotes when it’s time to renew, as not all insurers weigh incidents the same way.
Legal Advice: If you’re feeling overwhelmed and unsure about your coverage or any potential liabilities, consider seeking legal advice for further support.
Take a breath and try to manage one step at a time. It’s a difficult situation, but getting proper guidance can help you navigate it more smoothly. Good luck!