should I pay for accident?

Coveredinbees!!!!

bigjl wrote: »

In much the same way that when you are rear ended you are usually considered at fault.

Hang on a minute if I get rear ended it's my fault, I don't think so?

Inactive

Coveredinbees!!!! wrote: »

Hang on a minute if I get rear ended it's my fault, I don't think so?

Well spotted ..

FakeIrish

Coveredinbees!!!! wrote: »

Hang on a minute if I get rear ended it's my fault, I don't think so?

I could say it depends on your sexual orientation.:o

mlfworkman

Quentin wrote: »

Offering £20 would be ridiculous.

Just report the incident to your insurer as advised and if you hear anymore directly from the third party tell him to contact his insurer over this.

If you get any correspondence pass it on unanswered to your insurer.

You say this is too late to report to your insurer - not so, and as has been advised if you don't all this can rear up in the future and have big implications for you (because of your non disclosure of this incident which from what you tell us is 100% your fault)

Why would £20 be ridiculous? It is a tiny dent on his car that with a decent local repairer will cost about £40 to repair.

I was making several manouvers to reverse out. If he had been driving attentively he would have seen me doing that. So I don't think it's 100% my fault. Hence he agreed when it first happened that it was also his responsibility. I do accept that an insurer may (or may not) see it that way.

So why would I involve my insurer? I do not want to make a claim. My No Claims should remain intact for that reason - No Claims...

Inactive

mlfworkman wrote: »

Why would £20 be ridiculous? It is a tiny dent on his car that with a decent local repairer will cost about £40 to repair.

I was making several manouvers to reverse out. If he had been driving attentively he would have seen me doing that. So I don't think it's 100% my fault. Hence he agreed when it first happened that it was also his responsibility. I do accept that an insurer may (or may not) see it that way.

So why would I involve my insurer? I do not want to make a claim. My No Claims should remain intact for that reason - No Claims...

You obviously haven't had any body repairs carried out recently, £40 is laughable.

It is your fault, you didn't see the passing driver and reversed in to his car.

Gene_Hunt_2

bigjl wrote: »

In much the same way that when you are rear ended you are usually considered at fault.

:rotfl::rotfl::rotfl:


Did you learn that in the Ambulance Service or else where?

McKneff

mlfworkman wrote: »

Why would £20 be ridiculous? It is a tiny dent on his car that with a decent local repairer will cost about £40 to repair.

I was making several manouvers to reverse out. If he had been driving attentively he would have seen me doing that. So I don't think it's 100% my fault. Hence he agreed when it first happened that it was also his responsibility. I do accept that an insurer may (or may not) see it that way.

So why would I involve my insurer? I do not want to make a claim. My No Claims should remain intact for that reason - No Claims...

£20/£40 :rotfl::rotfl::rotfl:

My car got a 3 inch scrape from some idiot in a tractor.
The whole panel has to be taken off and prepared, sprayed,
put back on, its not a 10 minute job,
£800 it cost to repair it plus claims company costs.

You have to inform your insurance company of any incident, whether you are claiming or not. Its in the terms and conditions of all insurance companies. They use a central database so if you dont it could come back and bite yu in the bum if you had a future claim'
They will invalidate it, and you'll find it impossible to get any insurance for anything after that.

Quentin

mlfworkman wrote: »

So why would I involve my insurer? I do not want to make a claim. My No Claims should remain intact for that reason - No Claims...

Your no claims remaining intact isn't down to you though! If you hit other people they can claim against you, if you are liable or partly liable your insurer will make a payment or arrange their repairs and if you have unprotected NCD it will be reduced.

You can of course offer to send the £20 in to your insurer and see if that covers it, and if so they will reinstate your NCD.

You need to involve your insurer because you are bound by the policy conditions to do so, not to is a breach and leaves them an opportunity to void your insurance in future/demand higher premiums etc.

Inactive

Gene_Hunt wrote: »

:rotfl::rotfl::rotfl:


Did you learn that in the Ambulance Service or else where?

Come on, he is a professional. :rotfl::rotfl::D

mlfworkman

If the person I had the collision with has no insurance, and therefore is driving illegally, what happens then?