50/50 Bump ~ Advise please

WPC123

vaio wrote: »

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

I'm not sure what the MIB database is but you should be aware the other driver did not take a note of my registration number, he does not know the make of car > all he did was apologise (as I did) and we agreed 'accidents happen'. As he was obviously distressed I advised him of my business address, phone number and email address. He did not give me ANY details - I made a note of his car, reg, etc. I then received (days later) a call from his accident management company asking for my reg/isurance details/home address etc. I told them it was a 50/50 knock and to 'go away'. They said they would be writing to me.

Sgt_Pepper_2

Be very careful with this course of action, read up on fail to report. Can they be classed as any person?

vaio

WPC123 wrote: »

.......I told them it was a 50/50 knock and to 'go away'. They said they would be writing to me.

I'd guess they will write to you asking for your insurance details which, under s154 of RTA, you are obliged to provide.

You aren't obliged to use your insurance to pay the claim for the new mirror etc which will surely follow, you can pay it out of your own pocket but whatever happens you will need to declare the incident to future insurers (and will likely get a premium loading as a result)

I suppose with 50/50 cases there are two ways it can play out, either.....

both parties sort out their own mirrors and life carries on as normal

or

one person goes to their insurance company, claims management firms get involved, liability is argued about and eventually each insurance company pay out for 50% of the damage and claims for the other 50% from the other company, both drivers end up with lost excesses, lost NCB and a fault claim loading on their premiums for the next 3/5 years.

Sadly it seems yours is one of the second variety and even sadder there is nothing you can do about it