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Accident liability: knock for knock claims
I was recently involved in a roundabout accident in my company car and my firm tells me that is being settled on a knock-for-knock basis. I don’t accept that the accident was my fault and as I am leaving my company car scheme and will be applying for my own insurance, will this be affected? DBZ, Stoke on Trent
The roadside lawyer writes:
FIRSTLY, knock-for-knock no longer exists and when it did, it didn’t necessarily mean
what everyone thought it did. Presumably, you mean the claim is being settled on a
50/50 basis which means that your firm would get 50% of its losses and
the other driver 50% of his or hers.
Most roundabout accidents are
settled this way but if there is good evidence to demonstrate that the
other driver was fully to blame this should be challenged.
In answer to your question, unfortunately, yes, this will affect any insurance proposal you complete as it was not settled on a non-fault basis.
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