someone ran into the back of me

King_Nothing

d.ross wrote: »

Are you sure they charged an extra £200 because of the accident? Most insurance companies have put their prices up this year by huge amounts.

Well the quote was £200 lighter before I put the non-fault claim on it, so... yes.

d.ross_2

King_Nothing wrote: »

Well the quote was £200 lighter before I put the non-fault claim on it, so... yes.

Change insurer then.

King_Nothing

Still the cheapest I could find.

purpleburglaralarm

A similar thing happened to me, a lady bumped the back of my car in a car park - no damage to my car but there was a dent on the front of hers (which I am not convinced came from the bump as it didn't look the right height for my bumper). Anyhow, she tried to get me to say it was my fault, I refused to say anything except exchange details and when I got home I contacted my insurer to let them know what had happened and that I would be contesting any claim.

Never heard anything until almost a year later, when the insurance co called me to see what had happened - despite me calling and giving details to someone it appears that it hadn't even been recorded on their system! They then went on to reject the claim, as I think it was her insurance trying it on.

I'd definitely contact the insurance co in those circumstances just to be safe, as otherwise if the other party tries to claim you could leave yourself open invalidating your insurance etc for not informing them. Just my personal opinion though. This has not added anything onto any of my insurance quotes as it makes no difference whether I quote with it or without it, and to be honest, you need to report it anyhow if you get a quote as they'll check when your policy goes through and contact you if there is an accident recorded that you've not informed them about.

Harry_Flashman

rev_henry wrote: »

Erm, that's dodgy. 3rd party is legally required to provide insurance details in such circumstances.

Maybe so - but for the last few years, I've changed insurer every time and can't generally remember which on it is. Name and address details are generally sufficient.

d.ross_2

Harry_Flashman wrote: »

Maybe so - but for the last few years, I've changed insurer every time and can't generally remember which on it is. Name and address details are generally sufficient.

In such a case you should exchange your own contact details, then insurance details can be exchanged once you get home.

Scooby_Doo.

d.ross wrote: »

In such a case you should exchange your own contact details, then insurance details can be exchanged once you get home.

You only need to provide insurance details when there is an injury.

d.ross_2

Scooby_Doo. wrote: »

You only need to provide insurance details when there is an injury.

You only NEED to inform the police if someone is injured. You SHOULD exchange insurance details after any accident, just in case there is damage that wasn't obvious at the time, which you may need to claim for.

Scooby_Doo.

d.ross wrote: »

You only NEED to inform the police if someone is injured. You SHOULD exchange insurance details after any accident, just in case there is damage that wasn't obvious at the time, which you may need to claim for.

Have you got a link for that because the RTA states otherwise.

d.ross_2

Scooby_Doo. wrote: »

Have you got a link for that because the RTA states otherwise.

I said 'SHOULD', in other words it's not law, but it is a good idea as it protects yourself.