Traffic incident advice

swifthit

Hello I wanted some advice on a little bump i had.
I was driveing down the road and there was a cars on either side of road. As i approch the gap (between 2 cars on either side) a car pulled out into the gap so i swayed away and hit a stationary car on the right lightly. We rang the police and exchanged details. as the stationary car owner wanted to make sure it was fine.

Right now the car i hit is fine and needs no repairs and he's ok without going through insurance. My car has a small crack in the bumper. I wanted to know if i need to tell the insurance because it was reported to the police, and there is now a record of the incident.

The 2nd thing is im not sure if i should attempt to claim from the womans insurance who pulled out. I feel like because there are no witness's it would be a losing battle. Because the woman was not honest and said i must have been trying to overtake her and that she was not pulled over. I checked if there are any camera's in the area or if i could find witness's, but i couldn't. What do i do?

GT60

report it to the insurance co. but tell them it is "For information purpose's only"
this should cover you.
Get and note the name of the person you are telling and the time /date and call centre / station where they work

forgotmyname

You should report all accidents, claims or convictions, Whether a claim is made or not.


She pulled out and you crashed into a stationary car. In the world of black and white the accident was your fault.

You should have crashed into her. You could be sitting in a nice posh hospital bed now with all expenses paid.


Maybe think about a defensive driving course? Without actually knowing all the details.


Was she parked or just stopped in the road for whatever reason? Phone, makeup or reading the paper..

How observant were you? Did you see the woman in the car? Did you think is she parked or just stopped?


Seriously think about a defensive course or lesson, Its an eye opener.

My daughter is taking lessons and we have tried the hazard perception video's. 1st time i tried it i failed.

After reviewing the video and timings, I had clicked all the hazards BUT i had clicked them too soon, I spotted
them and clicked before the scoring had actually started.

On the road thats a bonus though. Trying to teach her to look further ahead and not just whats at the end
of the bonnet.

swifthit

forgotmyname wrote: »

You should report all accidents, claims or convictions, Whether a claim is made or not.


She pulled out and you crashed into a stationary car. In the world of black and white the accident was your fault.

You should have crashed into her. You could be sitting in a nice posh hospital bed now with all expenses paid.


Maybe think about a defensive driving course? Without actually knowing all the details.


Was she parked or just stopped in the road for whatever reason? Phone, makeup or reading the paper..

How observant were you? Did you see the woman in the car? Did you think is she parked or just stopped?


Seriously think about a defensive course or lesson, Its an eye opener.

My daughter is taking lessons and we have tried the hazard perception video's. 1st time i tried it i failed.

After reviewing the video and timings, I had clicked all the hazards BUT i had clicked them too soon, I spotted
them and clicked before the scoring had actually started.

On the road thats a bonus though. Trying to teach her to look further ahead and not just whats at the end
of the bonnet.

The woman was pulled over either on the phone or tending to her baby and she pulled out into the road without indicating or checking her mirrors, i swayed out the way to avoid her and bumped the stationary car.

If i tell the insurance company will it effect my no claims bonus or my insurance next year? A year ago when a woman hit me from behind when i was in lights she admitted liability but when i told my insurance it effected my insurance price.

As you said if i crashed into her i would have a better chance, but because i hit another car its my fault, this is what i was afraid of. but im not too worryed about fixing my car just about my insurance.

cheshirestu

Like the advice earlier, if you tell your insurance company it is for 'information purposes only', then you should be fine. The reason you should do this is so that in the future if you do need to claim or some claims against you then the insurance company will know and can't say you didn't inform them.

It might be a bit paranoid but it can be worth keeping a notepad and paper to jot down details of incidents in the car, or even a cheap digital camera (if you use a mobile phone, then you probably got one built in, actually if you use an iPhone you could get this app [itunes.apple.com/gb/app/car-compass/id408847799?mt=8], which has a report an accident feature built in and uses stuff like GPS and witness statement recordings) but whatever way you do it the key thing is to get some evidence and keep it safe so you have to refer to.

If the you don't proceed with the claim then there should be no impact on your insurance premium. I have reported 'for information only' in the past and certainly not had a penalty. You could always ask the advisor at the start of the conversation if you really are not sure.

forgotmyname

Android phones, AutoBoy BlackBox, Autoguard, Daily Roads Voyager..

Currently trying to decide which one suits me best.

John_Pierpoint

Unfortunately in this dog eat dog, everyone is on kick back, insurance world; the good old days of the claimant having to write to you (rather than your insurance company) are well and truly over.
All that is needed now is your car registration number plus a claim for (non existent) personal injury and you can have your "no claim bonus" messed up for several years - even when no pay out is ever made by your insurance company. The very fact that the police have been involved suggests a personal injury has occurred.

A friend of mine did what is required by her insurance company and informed them.
The circumstances were:
Uncontrolled child ran down the pavement, well ahead of its parent. At the sharp bend, possibly heading for a pedestrian alley on the other side of the bend, child runs straight out into the road.
Fortunately child bounces off the side of cautiously driven car, back onto the narrow strip of grass verge.
Parent of child catches up with the kid and bashes it, while apologising to shocked lady car driver.
Insurance company freezes no claim bonus and puts the driver into a "claim pending" category. Driver is stuck in limbo for years even though no claim was ever made.

I was victim of a "no claim was ever paid" bump, instigated by a chancer (I am satisfied it was not a staged accident) - sad to say the Nanny State, and a corrupt legal/insurance industry has created a bloated set up full of graft.
https://forums.moneysavingexpert.com/discussion/569389

Glass_Half_Full_5

Hi, I'm in the claims business and would suggest that it's vital that you report to your insurers "for information purposes only". All the motor insurers contribute data to the Motor Insurers Database (MID). What you don't want to happen in the future is for you to be calling an insurer and not mentioning when asked an incident that he can see on his screen in graphic detail.

My company has produced a free downloadable Glove Box Guide, ie a piece of paper, for those without iphones to keep in your dashboard. It contains advice about what to do in a road accident and includes a form to fill in all the data you can get at the scene. I'm guessing I daren't put a link on here as this will be seen as advertising? Can a moderator advise please?

Lum

The insurance companies are only going to find out if either you or the person you hit tell them. The police aren't going to put the incident on the insurance company databases.

Reporting it, even "for information only" is still going to be an incident you have to declare every renewal for the next 5 years and will put the price up with most insurance providers.

Technically you should still report it, but if you choose not to it's not going to come back and bite you...

...unless the person you hit decides to claim after all.

NCISROCKS

Glass_Half_Full wrote: »

Hi, I'm in the claims business and would suggest that it's vital that you report to your insurers "for information purposes only". All the motor insurers contribute data to the Motor Insurers Database (MID). What you don't want to happen in the future is for you to be calling an insurer and not mentioning when asked an incident that he can see on his screen in graphic detail.

My company has produced a free downloadable Glove Box Guide, ie a piece of paper, for those without iphones to keep in your dashboard. It contains advice about what to do in a road accident and includes a form to fill in all the data you can get at the scene. I'm guessing I daren't put a link on here as this will be seen as advertising? Can a moderator advise please?

Contact MSE and offer to work with them to produce a joint MSE Guide perhaps?

Indout96

sad to say the Nanny State, and a corrupt legal/insurance industry has created a bloated set up full of graft.

So true, we have a new shop open up near work named "Lets Claim" and then we wonder why preiums are going through the roof.