Minor no fault accident involve 2 cars and a bike!

samtheman1k

Hello All,

sorry to have to ask, but I was involved in an accident this morning, I was pulling out of a junction on my motorbike, and the car behind me shunted me. Then the car behind him shunted him, and thus caused me to get shunted again.

Then total damage to my bike is around £50.

The damage to the middle car from the rear car looked pretty serious and likely to be expensive, possibly a write off (boot floor looked buckled). The rear car stopped to checked we weren't injured, and then drove off. This has been reported to the police.

The middle car, who shunted me offered to pay my repair bill in cash so as to not have to claim (he admitted liability), which is fair enough for the damage caused.

However, he's going to have to claim off the rear vehicle insurance due to the extent of the damage.

Thus, would it be unwise to accept his offer of paying my repair bills without telling the insurance company? I'm worried that it's likely to come out that my bike was involved, and thus my insurance company may get whiff and be somewhat unimpressed!

cyclonebri1

samtheman1k wrote: »

Hello All,

sorry to have to ask, but I was involved in an accident this morning, I was pulling out of a junction on my motorbike, and the car behind me shunted me. Then the car behind him shunted him, and thus caused me to get shunted again.

Then total damage to my bike is around £50.

The damage to the middle car from the rear car looked pretty serious and likely to be expensive, possibly a write off (boot floor looked buckled). The rear car stopped to checked we weren't injured, and then drove off. This has been reported to the police.

The middle car, who shunted me offered to pay my repair bill in cash so as to not have to claim (he admitted liability), which is fair enough for the damage caused.

However, he's going to have to claim off the rear vehicle insurance due to the extent of the damage.

Thus, would it be unwise to accept his offer of paying my repair bills without telling the insurance company? I'm worried that it's likely to come out that my bike was involved, and thus my insurance company may get whiff and be somewhat unimpressed!

I think you know what to do. It's a no fault accident from your point of view, let the insurance handle it to avoid any issues. Remember the terms of your policy dictate you inform your insurer of any accident
.;);)

neilmcl

You may find you have to inform your insurance co. of any incident, regardless of fault.

Rolandtheroadie

I''m just renewing my bike insurance with a non fault claim (already known) a fault claim in a works vehicle and an SP30 (informed insurance when they happened). Renewal this year after shopping around? £5 cheaper.
Just keep yourself right. Tell your insurer no matter what way you eventually go.

Gandalfthesecond

sarni wrote: »

You can inform your insurance company so that they know but say that you are settling privately with the driver who hit you, unless you have any whiplash or other injuries.

The OP said he hasn't, no doubt you would have calimed them.;)

Hintza

cyclonebri1 wrote: »

Remember the terms of your policy dictate you inform your insurer of any accident
.;);)

Because if you don't tell them how will they know that they can ramp your premium for next year.

Seriously though in a 3 vehicle prang it might pay to inform your insurer and at this stage for "information only" you can then accept his payment direct if you wish and whether he tells his insurer or not is his problem and not yours.

Then you have covered your bases.

samtheman1k

Yes, I know you're all right, so have told them. Didn't realise I had to go through a third degree investigation from their solicitor regarding any injuries that I may have within the next 72 hours!

Hintza

samtheman1k wrote: »

Didn't realise I had to go through a third degree investigation from their solicitor regarding any injuries that I may have within the next 72 hours!

Interesting.

Guess they want to make sure you don't suddenly have a life threatening neck injury in a week's time after the ambulance chasers have tried to persuade you to sue for injuries!

Lum

samtheman1k wrote: »

Yes, I know you're all right, so have told them. Didn't realise I had to go through a third degree investigation from their solicitor regarding any injuries that I may have within the next 72 hours!

Wait the guy who hit you has instructed a solicitor to do that?

If so, then no informal settlements. Do this 100% by the book i.e. claim through your insurance or through a separate claims management company. Do not speak to their solicitor, have your own deal with them.

I'm normally an advocate of settling privately, but after that there would be absolutely no chance.

Quentin

Lum wrote: »

Wait the guy who hit you has instructed a solicitor to do that?

It reads as if it was his own insurer (who he reported the incident to "for info. only") who then pestered him about whiplash.

This may be his own insurer's solicitor doing a bit of ambulance chasing, hoping to be able to do a PI claim against the third party!

King_Nothing

If it were me, and I wasn't injured, I'd get the guy in the car to pay for the damage to my bike, and that would be it and I wouldn't bother telling my insurance, as even if it isn't your fault they still load the premium against you, if the £200 extra on my car insurance after adding a non-fault accident is anything to go by.