Just had a bump, what to do next?

Wkdwill

My husband bumped into someone on his way home from work, he admits it was his fault, the car infront braked, so my husband braked and swirved to the side, and his front bumper clipped their back bumper, it has caused more damage to our car than theirs, but anyway, he got them to write their details down and he gave them his and the driver told him to go home, inform insurance and then ring her but she hasn't given DH her number.

The thing is we dont want to claim for our car, we are happy to fix it ourselves, do we still need to inform the insurance, should we wait for them to contact their insurance?

I would like to point out that we are in no way avoiding anything, it has just never happened to us before.

Also, DH's insurance runs out on the 9th of this month and we had intentions of changing insurer, can we still do this?

Quentin

Yes, you need to inform your insurer. If you don't want to claim for your own car then tell them it's for "information only".

You can still change insurer, but you'll need to tell them about this incident, and also hat a claim is expected from the third party, so you shouldn't rely on the NCD shown on your renewal (unless it's protected).

Wkdwill

Our main problem is, we need to know if they are going to make a claim or not now, because if they do and DH loses some or all of his NCD, we wont be able to afford to insure the car anymore.

If we had their number we could ring and ask but they didnt give it, we dont want to turn up at their house as it seems rude and they might accuse us of being dodgy or something as they were insinuating DH was some sort of joyrider at the time and telling him he should have a smaller car.

Gene_Hunt_2

The have a right to have the car properly repaired and that could cost £1000. Can you afford that?

Wkdwill

Gene_Hunt wrote: »

The have a right to have the car properly repaired and that could cost £1000. Can you afford that?

I can assure you if DH loses some or all of his NCD his insurance will be a lot more than £1000.

Besides ive already said we aren't trying to get out of anything we just want to know whats happening, so we know what to do next, if they are making a claim we will get rid of the car and make do without, as ive said the renewal is due next week.

Linda32

Yes, sorry but you do need to inform your insurance company. Unless you have fully comprensive insurance, your car won't be mended/repaired anyway.

Have you got protected no claims by any chance.
You don't necessarily loose all of your no claims when you claim.

Also, I honestly can't see any reason why the other party asked you to phone them after ringing your insurance company. (I know you can't as they didn't leave their number) Once you contact your insurance company all dealings are between you and your insurance company, and your insurance company and the other parties company who will speak to each other, and keep you informed along the way.

Gene_Hunt_2

Wkdwill wrote: »

I can assure you if DH loses some or all of his NCD his insurance will be a lot more than £1000.

Besides ive already said we aren't trying to get out of anything we just want to know whats happening, so we know what to do next, if they are making a claim we will get rid of the car and make do without, as ive said the renewal is due next week.

Don't forget if they claim or not, the cost will go up due to his at fault collision.
They other drive is probably down at A&E getting some evidence for their cashlash.:eek::eek::eek:

esmerobbo

Gene_Hunt wrote: »

They other drive is probably down at A&E getting some evidence for their cashlash.:eek::eek::eek:

That will be the one, or their mate in the pub advising "you can get a holiday out of this":(

Wkdwill

Yes he is fully comp, but no he doesn't have protected NCD, this year would have been hs 5th year of NCD. Even if he lost 2 years, the insurance would double and thats if he took 3rd party fire and theft.

We dont know why she told him to ring her either, she was being quiet rude, I do understand that she had just been bumped, but she was accusing DH of having no license, no insurance and that he had given false details, her husband was telling DH he should be driving a smaller car (its a ford escort).

DH does look young for his age but its a family car, he got her to ring his mobile so she knew he wasn't lying (her number was withheld) and even offered to contact the police, but they refused.

sirmarcus

Suggest that you check your DH's car insurance T&Cs as some stipulate that he needs to inform the insurance company within a certain timeline after an accident; otherwise the insurance company may not support any claim.

Maybe also worth your DH while contacting the police to advise of the accident; just in case the other vehicle's owner is trying it on.

By the way, it is worth paying a little bit more to get protected NCD. I've had it for years and touch wood. it has been fine for me.

mikey72

If he has her details, put her car in on askmid, and check she is insured