Think I Am Being Done Over?

Gene_Hunt_2

tbourner wrote: »

Gene are you being sarcastic? I can't tell on this forum!!
Don't phone any insurance company unless you want to claim through them, just ignore the woman and if she bugs you keep telling her you agreed at the time that there was no damage, and she needs to prove that the damage she's claiming was there at the time of the incident and not caused in the 3 weeks interim. If she can't prove this with photographic evidence dated and signed by a witness then she'll just have to fight it in small claims court.

No, read the OP, then the RTA and then any insurance proposal form and tell me there's nothing to declare.

Gordon_Hose

You have to report any RTC within 24hrs though, calling her insurance could cause more issues.

Gene_Hunt_2

Gordon_Hose wrote: »

You have to report any RTC within 24hrs though, calling her insurance could cause more issues.

Report to who?

Gordon_Hose

"Tell your insurer as soon as possible, whether you intend to make a claim or not, so it’s ready for the other party’s contact. If you do not exchange details at the scene, you must report your car accident at a police station or to a police constable as soon as you can, and in any case within 24 hours – in person. You'll need to produce your certificate of insurance. If you don't have it with you, take it to the police station you nominate when you report the event."


From here: http://www.nfumutual.co.uk/lifestyle/related-articles/motor/car-accident-advice.htm


If I was her, I wouldn't be calling anyone after 3 weeks. I'd let the other woman do all the chasing, after-all the woman she hit agreed there was no damage and "not to worry about it".

tbourner

Gene_Hunt wrote: »

No, read the OP, then the RTA and then any insurance proposal form and tell me there's nothing to declare.

Only if there's a dispute, same with phoning the Police at the scene they aren't bothered unless you're arguing over blame. They both agreed verbally at the time that there was no more to the incident and nothing need be done about it, phoning either insurance company would result in the accident being on the record and affecting future premiums which -even though it's officially correct- is pointless and stupid!

Gordon_Hose

Gene_Hunt wrote: »

The post is bollox, they exchanged details at the time so 24 hours has nothing to do with it.

Just saying.

Gene_Hunt_2

Gordon_Hose wrote: »

Just saying.

Saying what?

Gordon_Hose

*sigh*

The OP still shouldn't call her insurers.

Gene_Hunt_2

Gordon_Hose wrote: »

*sigh*

The OP still shouldn't call her insurers.

So your 24 hours post was as useful as saying 'I like cheese'.

Gordon_Hose

About as useful as most of yours, yeah.

Fact remains that you need to report an RTC within 24 hours. The only difference here is that they exchanged details, so don't need to report it to anyone.

The fact also reamins that the OP doesn't need to call her insurers.