Do I need to report this accident?

Wig

Blackpool_Saver wrote: »

Ok, have you all finished, yes I was slightly off with the word but you knew what I meant.

Yes and we all knew what Steve meant aswell.

pitkin2020

Blackpool_Saver wrote: »

Ok, have you all finished, yes I was slightly off with the word but you knew what I meant.

The fact remains that some on here want the OP to AVOID telling the insurance company and we all know that should the 3rd party change their mind that could come back and bite them on the a$$.

no, again unless the other party took details they cant magic them out of thin air, and even if he did he would inform the insurer it was a scrape and didnt require there involvement.
The only way the OP is going to get bite on the a$$ (As you put it) is by reporting, as the OP's insurers will have to open a claim which will stay open for 12 months to allow the third party to claim, should they not claim within the 12 months it will be closed, in that time any NCB earned for that years period of insurance will be suspended

Steve_xx

Blackpool_Saver wrote: »

Useful ??? telling someone not to report an accident, glad i don't live in your fairyland.........

I did not tell someone not to report an accident. I advised someone not to report an incident that had no consequence, as agreed at the time by both parties.

You, being the wordsmith that you profess to be, ought to have been able to understand that.

alastairq

a collision occurred.

Although no damage was perceived at the time, by either party, doesn't mean to say damage may not be discovered later.

The point of concern to the OP...or anyone else in a similar situation....is the lack of 'exchange of details'....this is required by law.

In this situation, it would be advisable to visit or call the local Police station.

BY reporting the collision, one recieves a log number. This is important.

The Police, in such a situation, may do nothing more......


but....

if the third party has a change of heart....[as has been described above]......and decides to place such a report.....the absence of one on the [OP's} part starts to take on significance.


There are many reasons why the third party acted, in this instance, as they did.

some cannot be bothered.....with the hassle of everything.


but the taking of reg numbers,basic details, location time etc....is vital in order to cover oneself.


even if no further proceedings are taken.

Pew_Pew_Pew_Lasers!

Steve_xx wrote: »

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

You are wrong.

Steve_xx

Pew_Pew_Pew_Lasers! wrote: »

You are wrong.

Snap!!!!!!!!!!

dacouch

There is a condition in all policies that you report all incidents that could lead to a claim. If you do not do this the Insurers do reserve the right to not deal with the claim (They have to abide by the RTA).

In reality if the other driver does present a claim the Insurers will normally ask for an explanation as to why the claim was not reported and if they are happy with the response will often deal with it. If the delay in reporting the claim has affected their liability you can sometimes find they will look to you to pay an extra they would not have had to pay had you reported the claim promptly.

There are however a small minority of companies that will not agree to deal with the claim, obviously they are bound by the RTA so may have to pay up and then pursue their policyholder for reimbersement.

An explanation as per the OP's situation would be sufficient with most but not all Insurers for them to deal with a late notified claim.

If you have ever dealt with Insurance you will know that these types of incidents where there is an agreement not to claim more often than not end up with a claim being presented at a later date. Often this will include an Injury and / or credit hire which can both be expensive. We call it the "Pub Effect" eg there mates tell them what they are "entitled to" and what they got from a claim. You also have the issue that once they have left the scene you cease to become a person in front of them and become a faceless person at the end of correspondence.

It is very easy to make a claim against someone if all you have is their registration plate.

pitkin2020

any people wonder why insurance premiums keep creeping up year after year as people who have a minor car park bump with a couple of scratchs shared report these time wasting incidents to the insurers!!! GET REAL the person that was hit decided he was happy to leave it, probably had a banger and knew it wasnt worth the agro