Some muppet reversed into my bumper last night. They stopped in front of me to let some pedestrians cross the road, and the next thing I know is that the reverse lights come on and whack.
His excuse for reversing was to give the pedestrians more room to cross the road and admitted to not looking behind him. He said there was no damage, but a) it was dark and he was only relying on street lights, and b) his rear bumper was still kissing my front bumper so how could he tell anway? As I said it was too dark at the time to see if any damage had been done, but when I looked on Saturday in the daylight the paint on the bumper has been cracked in a few places. We didn't have much time to look anyway as we were both blocking the road and as no one was injured the police (see next paragraph) wanted to get the road reopened.
Fortunately I have witness who saw what happened, and also the police weren't too far away, and unbeknown to me at the time, she called them over.
Unfortunately the driver of the other car gave me an incorrect mobile number. All I have is his name, insurance company name, and reg number. The police ran a PNC on his car while I was there to check he was insured, etc, so I'm pretty sure his name is correct.
Estimated damage is £200 + vat, but as I am unable to get hold of him I cannot ask if he wants to settle up in cash or still go through his insurer.
Here's the dilemma - I've been told that although the accident wasn't my fault, my premium could still go up next time because I would be classed a higher risk. Is this the case?
A friend of mine had his car wrote off by someone else 3 or 4 years ago and by declaring it always increases the premium when he shops round for car insurance. Using online quote forms, if he doesn't declare it he gets one price, but declaring it raises the premium he has to pay.
So, do I contact my insurer or not and put in a claim against his insurer?
Do I just accept the damage, and try not to get annoyed every time I look at the front bumper and see the crack in the paintwork?
A N Other?
If I caused the damage myself then I could live with it, but as someone else has caused the damage I want them to pay to have it put right.
Apart from one or two scuff marks on the alloy wheels, the paint and bodywork on my 06 Vectra is unmarked.
pic of damage - click on it to enlarge. There is another crack further down out of camera shot as well.