Print

Please login or register.
1 Hour 1 Day 1 Week 1 Month Forever
Login with username, password and session length

[Gaffers]

Coming back.from the north today a had a very minor coming together with the rear bumper of someone's car.  So minor in fact I literally just kissed the bumper there was no visible damage.  We exchanged details anyway and as it was the dark decided to reassess in the light of day.  Should I still inform the insurance company?  What do you think?

[hotel21]

No one injured?  If not, no requirement to tell insco, only to exchange drivers name and address, name & address of the vehicle owner and regno of vehicle.  No need either to exchange ins details unless injury..... 

edit to add address as well.... 

[tunnie]

Personally I would not, unless the other party does?

[adey2]

id wait to see what other person sugests, if you inform yours and they dont youll still be hit on your renewal

[albitz]

Expect a claim for whiplash.

[adey2]

i am waiting till next nov when mine up for renewal, had a vectra and ploughed from behind twice in a week in it, just as i renewed too so never made any difference, ill be going bank for a loan, reason i got the mig as vectra was fooked

[Gaffers]

No one injured and they seemed a bit like toffs so I am not expecting one of those delayed onset whiplash crappers. 

We exchanged addresses and reg nos only, only spent 3 minutes at the roadside if that.

It was approaching a roundabout, I thought she had gone as there was plenty of space but she must have chickened out at the last minute as she stopped over the giveway line and as she was in the corner of my vision (I was watching the traffic on the roundabout to guage my approach speed) Anyway I didn't see she had stopped until it was too late, although the fairly new discs worked a treat as the impact was only parking speed.

[Darth Loo-knee]

Driving to close Guffer..... All your fault tailgater 

P.S you wouldn't get hurt with your Airbag anyway 

[adey2]

just call them tomozz and see, if all else fails sent them bottle of t-cut

[feeutfo]

I would leave it. If they claim you'll hear soon enough. If they ring deal with it then, if they do nothing, great.

Chances are, and if it was my car, claim in coming. Insurance will asses damage and they will decide what damage is present. Ime neither party will get a say in that. Least of all the party at fault.
 Some might say that its not possible go drive into or touch bumpers that the drivers are aware of and cause no damage at all. Certainly not that can be examined at night.

Ultimately though it's up to the other party to claim. Sit tight.... unless you feel it's their fault of course. Any witnesses?

[Darth Loo-knee]

Hope Your Sweet Young Thing is ok Tinkywinky

[Gaffers]

Yes Darth Lorraine Kelly, the good lady is fine.  She had her 2 sons and I had the wife as witnesses.  I have little to stand on but my thoughts were of she just goes ahead and claims how would I know and would it be better if I got in there first?

[adey2]

i was always under impression if one claims and other dont say anything leaves doors wide open for critisism, me personally would be calling the ip tomozz to see what they plan on doing so if they do claim you are prepared first

[Kevin Wood]

I would give them a call and ask, out of courtesy, if they have found any damage, if I were you.

That way, if there's something minor you can offer to sort it (without making an admission of liability) before they call their insurer. If not, you can make sure they don't / haven't.

However... Last time I had a minor shunt the third party's insurer called me before mine were informed and were glad they'd got to me first. As soon as the "innocent" party's insurers are involved a load of costs can end up getting piled on so, if they do intend to claim, it might be worth getting your insurer involved asap.

[the alarming man]

i thought you put a claim form in 'for information pruposes only'......and thats what they mark it so they know whats going on