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Thread: someone reversed into me last night

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    Regular Member rfc52's Avatar
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    Default someone reversed into me last night

    Hi guys,

    I was coming out of tesco car park last night and some lad reversed right out and hit me, i have damage on the back side panel beside the wheel a dent and the arch and bumper is scraped.

    He has took responsiblity and said get a quote and he will pay rather than go through the insurance, thing is this is my first car do i need to inform my insurance about any of this or not?.

    i have all his details and stuff.

    cheers.
    Last edited by rfc52; 17th October 2012 at 11:55.

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    Regular Member Al 22 dti's Avatar
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    i didn't... i got a quote and he payed when i got bumped.

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    Technically, you should, however most don't (your insurance may go up next year, even though the accident wasn't your fault), but he might end up going through his insurance, and them contacting yours, if he decides it's all too expensive for him to pay cash.

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    Regular Member 19CDTi's Avatar
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    Default

    When non-fault, insurance won't be affected, if the other person either pays or his insurance does. Non-fault means just that.

    You are (technically) duty-bound to report it, but there's no real benefit to the company other than keeping a close record, and helping out if it goes Pete Tong when it comes to him paying.

    11 yrs behind an insurance company btw, I'm not an armchair General lol

    HTH

    Stuart

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    Regular Member BBMadness's Avatar
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    I had a woman reverse in to the front of my car (ended up going through insurance) BUT had its benefits they approved the quote which saw my preface get a facelift

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    Regular Member Chris SRi's Avatar
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    I'd report it just to be on the safe side and keep it above board.

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    Quote Originally Posted by Rebellion View Post
    Technically, you should, however most don't (your insurance may go up next year, even though the accident wasn't your fault), but he might end up going through his insurance, and them contacting yours, if he decides it's all too expensive for him to pay cash.


    I wouldnt either.

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    Events Manager & Section Mod jon1.9cdti's Avatar
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    Quote Originally Posted by 19CDTi View Post
    When non-fault, insurance won't be affected, if the other person either pays or his insurance does. Non-fault means just that.

    You are (technically) duty-bound to report it, but there's no real benefit to the company other than keeping a close record, and helping out if it goes Pete Tong when it comes to him paying.

    11 yrs behind an insurance company btw, I'm not an armchair General lol

    HTH

    Stuart
    Sorry but that is not correct , I had a non fault accident in February this yeare and my insurance company had no involvement as it was all handled by her insurance , however I lost this years no claims luckily thr rest of no claims was protected!
    when it came to renewal I got quotes not telling them about claim and then got another quote 5 minutes later declaring the claim and all quotes had shot up in price so it clearly does make a difference even if non fault

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    Events Manager & Section Mod jon1.9cdti's Avatar
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    Quote Originally Posted by rfc52 View Post
    Hi guys,

    I was coming out of tesco car park last night and some lad reversed right out and hit me, i have damage on the back side panel beside the wheel a dent and the arch and bumper is scraped.

    He has took responsiblity and said get a quote and he will pay rather than go through the insurance, thing is this is my first car do i need to inform my insurance about any of this or not?.

    i have all his details and stuff.

    cheers.
    If the person is willing to pay that's great , with the prices of insurance it is probably cheaper to pay for repairs rather than go through insurance as you have to declare the claim for the next 5 years thus meaning higher premiums for the next 5 years also

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    Regular Member 19CDTi's Avatar
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    Quote Originally Posted by jon1.8sri View Post
    Sorry but that is not correct , I had a non fault accident in February this yeare and my insurance company had no involvement as it was all handled by her insurance , however I lost this years no claims luckily thr rest of no claims was protected!
    when it came to renewal I got quotes not telling them about claim and then got another quote 5 minutes later declaring the claim and all quotes had shot up in price so it clearly does make a difference even if non fault
    The above concerns me.

    It shouldnt have been handled that way. The only exceptions to the fault/non fault is malicious damage/theft/fire/flood etc etc.... when technically you are not at fault but you still lose NCD. Apart from that, and in the above scenario I'd be questioning strongly why I lost NCD when there was no claim on my policy - clue in the title, no claim on your policy SHOULD equal no loss of NCD.

    Note the use of the word "should" above, and there is no malice intended with the above post - only the concern that someone may have been shafted.

    Hope this is of some use to someone

    Stuart

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