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Thread: Got bumped from behind

  1. #1
    Regular Member Swatty's Avatar
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    Default Got bumped from behind

    Hi All, Looking for a bit of advice.

    Was travelling over the Kingston Bridge tonight, heading east, doing the normal rush hour stop/start routine, when a builders van ran into the back of us (16:55, sorry if you were delayed in the middle lane for a few mins).

    Seemed like a big bang and me and the boss got thrown back in the seats. Both of us are fine, bit achy at the time, but fine now.

    Anyway thought the back end was going to be a mess when we pulled over but the bumper took all the force only a few dents and scrapes on it, nothing else is damaged. Im really impressed .

    Anyway on to the exam question(s). Im going to phone the guys boss tomorrow, and the repairs (new bumper, crash bar and paint) could be something he wants to cover himself.

    1. Do/should I inform my own insurance that I was in a bump
    2. Do/should I report it to the police, to get a reference number

    Cheers

  2. #2
    Regular Member n_hudson's Avatar
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    All the above fella, make it water tight. Cover your blind arcs.

  3. #3
    Regular Member davree's Avatar
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    Vehicle : Insignia

    Trim : SRi

    Engine : 2.0 CDTI (160)

    Year : 2010

    Mileage : 26000

    Default

    I would be careful about him covering it himself, dont just use what you can see is damaged as a guide for repair cost!!

    Get it into a garage/bodyshop and get a proper quote for repair.

    I had a similar problem with someone at work who backed into my old Fiat stilo (not surprising being a Fiat). I goot a quote from a local body shop but still found things broken after that.

    It may not be just cosmetic damage!!

    Also if he does want to settle out of insurance you shouldn't need to declare it to your insurance.!!

    HTH

  4. #4
    Regular Member Swatty's Avatar
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    Default

    Quote Originally Posted by n_hudson View Post
    All the above fella, make it water tight. Cover your blind arcs.
    I was thinking that but just wondered if it would go against me later on.

    If asked the question - have you had an accident in the last X months (even though it was not my fault)

  5. #5
    Regular Member davree's Avatar
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    Vehicle : Insignia

    Trim : SRi

    Engine : 2.0 CDTI (160)

    Year : 2010

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    Default

    Quote Originally Posted by Swatty View Post
    I was thinking that but just wondered if it would go against me later on.

    If asked the question - have you had an accident in the last X months (even though it was not my fault)
    The point of him settling out of insurance is so that it doesn't affect yours/his policy. If you tell your insurance they will treat it as a claim IMO.

  6. #6
    Regular Member Swatty's Avatar
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    Default

    Quote Originally Posted by davree View Post
    I would be careful about him covering it himself, dont just use what you can see is damaged as a guide for repair cost!!

    Get it into a garage/bodyshop and get a proper quote for repair.

    I had a similar problem with someone at work who backed into my old Fiat stilo (not surprising being a Fiat). I goot a quote from a local body shop but still found things broken after that.

    It may not be just cosmetic damage!!

    Also if he does want to settle out of insurance you shouldn't need to declare it to your insurance.!!

    HTH
    I'm not sure how to play it - I looked underneath and could not see any distortion. Im pretty sure there is no other damage - I guess you can't tell till the bumper is off.

    Im also glad that I declared the exhaust to the insurance, just in case it goes funny

  7. #7
    Regular Member bertbuckie1's Avatar
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    Default

    dont let him cover himsellf in my opinion, ive seen too many people get done over....you can involve your insurance and his, and they will allow him to pay it himself without claiming
    other thing - go to the docs, i felt fine when we got the same, was more worried about the pregnant wife tbh, next day i was in agony - turned out i ripped all the muscles down one side of my back! cost a fortune in heat pads ect, but I did get compensated because id gone to the docs...i know it sounds daft but you have to think about these things, i was lucky with my job and had 2 weeks off....otherwise it`d be time off ( luckily i get full pay but many dont )

    ...ohhh, and your car might be twisted, very easy done!

  8. #8
    Regular Member n_hudson's Avatar
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    Would it affect your insurance even if you were claiming on his insurance? Need to be careful he doesnt claim 50/50... or something silly like that.

  9. #9
    Regular Member bertbuckie1's Avatar
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    Quote Originally Posted by n_hudson View Post
    Would it affect your insurance even if you were claiming on his insurance? Need to be careful he doesnt claim 50/50... or something silly like that.

    cant be 50/50 if he was in front - unless he pulled right infront of them.

  10. #10
    Ex Vec-C Admin Stevel's Avatar
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    You can tell them but then say that the other party is paying for the repairs. They will then just log it but it might effect future premiums slightly as you may be seen as a greater risk.

    This is what happened when we got hit last August. The repair bill came to over 2000 plus hire car when mine was in. The premium did go up by 10.00 but I changed insurers anyway.

    If you don't tell them I think you may be causing yourself some grief further down the line especially if you wish to pursue any claims for injuries.

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