50/50 Bump ~ Advise please

WPC123

Looking for some help please.

A few weeks ago I clipped wing mirrors with a car driving in the opposite direction. The mirror on mine cracked and the casing on the other drivers car broke off.

We (the other driver and I) both stopped -there were no witnesses - we both agreed (at the time) is was a 50/50 case as the road was narrow and it was just 'one of those things that happen'. The other driver said he was really worried as his was a Company car and he was concerned what his boss would say the following day.

I told him not to worry - "accidents happen" and gave him my contact details. He did not provide me with any details but stupidly I thought 'why bother'.

I have now been contacted by an Accident Management Company acting on his/his firm's behalf asking for my insurance company details, home address, car reg etc etc - I just gave the other driver my 'phone numbers and email address.

At this moment in time I have not advised my insurance company ~ as I said IMO it was a 50/50 bump (and I am still firmly of this opinion) - the Accident Management Company are now starting to 'hassle' me ~ obviously I can just disregard their calls etc but I just wondered where I actually stand?

Thanks for any positive help.

WPC

bengalknights

Notify your insurance and then state to them the damage you have incurred then they will correspond with the accident management company directly to settle it 50/50

WPC123

bengalknights wrote: »

Notify your insurance and then state to them the damage you have incurred then they will correspond with the accident management company directly to settle it 50/50

Thanks but don't really want to put it through insurance company - I have a protected policy but £250 excess - I have already had my car repaired (who wants to drive around with a broken drivers mirror glass?) plus I am sure my repair cost was greater than the other drivers. Legally do I have to notify my insurance company?

neilmcl

WPC123 wrote: »

Legally do I have to notify my insurance company?

You will find that it'll be a condition of your policy to inform you insurer of all accicdents whether you are at fault or not that may lead to a future claim. If the other driver has passed this on to an accident management company then no doubt they'll be contacting your insurer anyway. You are not obliged to speak to the accident company so if they ring again just refer them to your insurer.

You won't have to pay any excess as you're not making a claim for your own damage.

Sgt_Pepper_2

Tell you insurance company for information only. Plus don't forget to disclose it on future quotes.

WPC123

neilmcl wrote: »

You will find that it'll be a condition of your policy to inform you insurer of all accicdents whether you are at fault or not that may lead to a future claim. If the other driver has passed this on to an accident management company then no doubt they'll be contacting your insurer anyway. You are not obliged to speak to the accident company so if they ring again just refer them to your insurer.

You won't have to pay any excess as you're not making a claim for your own damage.

At this moment I have not advised either the other drivers accident management company or the driver - of my insurance company (I assure you I am/was insured - Churchill) + I have not advisd my co of the 'accident' however is there a legal requirement for me to advise the AMC or the other driver of my details?

vaio

if you don't tell them they can easily get your insurance details from the MIB database plus your insurance policy will certainly contain a clause to the effect that you must notify them of any incident that might give rise to a claim

property.advert

I had a call fro my insurer purporting to say that a claim was being made against me. This is rubbish, as I told them. Someone hit my car and accepted all blame, their insurance company paid for everything and has confirmed that their insured was 100% at fault.

However, when some 6 months later the "system" worked through the paperwork and informed my insurer, it was listed as a claim, though there would never be a claim.

What the OP needs to make sure is that the two insurance companies don't try to trip their customers off by reducing NCB or hiking premiums.

vaio

property.advert wrote: »

......What the OP needs to make sure is that the two insurance companies don't try to trip their customers off by reducing NCB or hiking premiums.

Now there is claims management company involved this is exactly what is going to happen, it will be settled 50/50 so both drivers will end up with reduced NCB and increased premiums

marlot

The other driver hasn't got a choice but to put it through the insurance - its a company car. So your insurance company will be told - whether you like it or not.

50:50 is not the same as 'knock for knock'. Even if you decide not to claim for your own damage, you need to be informing your insurers.

JQ.

marlot wrote: »

The other driver hasn't got a choice but to put it through the insurance - its a company car.

That's wrong. I've had company cars for 15 years and lots of people sort problems like this themselves without making an insurance claim.