Third Party Property Damage with subsequent damage

Good Morning Community,

Facts: Vehicle was in an accident, no fault, and has now had a subsequent accident in the same vehicle, no fault, though the at fault party in the second accident drove off from the scene without being able to get their registration details.

A claim has been logged for the first no fault accident, live assessment due to be done, as the vehicle was assessed as a total loss by the insurance companies preferred repairer.

Question posed, is firstly do i need to disclose the second accident to the insurer before the live assessment is done, and if so, how will a total loss payout be determined, since there has been a subsequent accident in the same region as the first accident?

Thanks for any adept advice in advance.

Regards,

Nice try! The assessor will spot the damage and work out it's due to multiple accidents and poof there goes your claim. They're pretty experienced. You're best to disclose all other accidents, work out with the assessor what he will pay and be prepared to pay any balance.