Do I need to report this accident?

Pew_Pew_Pew_Lasers!

pitkin2020 wrote: »

why would it have made any difference to your premium?? you were the person that was hit, but it would have effected the other persons premium

Because statistically you're now a bigger risk to the insurer.

Steve_xx

Pew_Pew_Pew_Lasers! wrote: »

Have you never heard of people who fake injuries, or exaggerate damage claims?

Yes, I've heard of all of these things that people do. However, none of that is relevant in this instant.

Hintza

Personally the less I have to tell my insurance company the better. They still try to drag up points from 7 years ago.

neilmcl

pitkin2020 wrote: »

why would it have made any difference to your premium?? you were the person that was hit, but it would have effected the other persons premium

Quite often it can effect your premium if you were the innocent party, sometimes as much as if you were the one at fault.

pitkin2020

if a claim goes through it CAN effect your premium, but then you go and get a more competive quote from another insurer who WONT be interested in an accident you had but claim wasn't made

Wig

pitkin2020 wrote: »

if a claim goes through it CAN effect your premium, but then you go and get a more competive quote from another insurer who WONT be interested in an accident you had but claim wasn't made

OK so you get a quote from said insurer, and then get a quote without declaring the claim that wasn't made..... and even if the two quotes are the same, it doesn't mean that you wouldn't otherwise have had a cheaper quote from a different insurer.

200888

mountainofdebt wrote: »

we didn't even exchange details.

I'm concerned that he will decide at some point in the future that there was damage and if I don't mention it to my insurers it will come back to bite me on the bum

but surely if you didnt exchange details....... how could they make a claim without your details? i would have thought if you agreed in person that it was ok then not to mention it to your insurance.... its different if you didnt speak to them but since you did i would not mention it, lots of people settle things outside of insurance so it doesnt affect NCB, the damage cant have been that significant if you agreed there and then that it was ok, plus how could they claim if they dont know who you are? its highly unlikely thet they would make a 'mental note' of your number plate!

dacouch

They can find your insurance contact details from the reg number

Blackpool_Saver

I wouldn't take advice from anyone who doesn't know the difference between affect and effect !

Steve_xx

Blackpool_Saver wrote: »

I wouldn't take advice from anyone who doesn't know the difference between affect and effect !

Was there anything else, useful to the discussion, that you would like to contribute?