First accident - please help

Accident

Hi,

I had an accident this morning. An 18-wheeler type lorry/truck was stationary at the 3rd exit of a round about.

I was going straight on in the 2nd exit.

Somehow I misjudged and went into it.

The right side of my car (headlights, coolant area etc) is damaged. The edge of the thing on which they put goods is what ripped into my car - didn't damage his.

I'm fully insured for the day - it's my mum's car.

I'm really shaken up. Details exchanged and I've had the car towed home.

My question is: what do I do next? I'm not worried the repercussions of being at fault or whatever. I just want to fix the situation i.e. fix my mums car or get her a new one (as she needs it for work)

Do I call the police or what? Do I call my insurer? Please help.

Sgt_Pepper_2

Call the insurance. Or better still your mother.

Accident

He's already informed his insurer. He's not claiming anything since he didn't have any damage.

Should I inform my insurer as well - or just try to sort it out on my own?

I reckon they will write it off.

I mean, I've only paid £20 to be insured comprehensively for a day so how can I expect them to fix maybe £500 worth of damage?

I'm I correct in assuming that even if I dont claim - once I call my future premiums go up? I'm not overly worried about this to be honest. I just want to know if maybe by law/rules I'm meant to call them?

Accident

Oh I've called my mum. She's been here in a taxi - and we've towed it home.

Accident

Sgt_Pepper wrote: »

Call the insurance. Or better still your mother.

Pepper, do I also need to call the police as well?

I was told by someone the insurance will need a police report? But the police didnt attend???

Tremour-88

You paid £200 to be insured for 1 day?!

You could hire a brand new car for a day for half that

Sgt_Pepper_2

Tremour-88 wrote: »

You paid £200 to be insured for 1 day?!

You could hire a brand new car for a day for half that

He said £20.

Sgt_Pepper_2

Accident wrote: »

Pepper, do I also need to call the police as well?

I was told by someone the insurance will need a police report? But the police didnt attend???

As long as you exchanged details and no one is injured then no.

luci

Tremour-88 wrote: »

You paid £200 to be insured for 1 day?!

You could hire a brand new car for a day for half that

Accident wrote: »

He's already informed his insurer. He's not claiming anything since he didn't have any damage.

Should I inform my insurer as well - or just try to sort it out on my own?

I reckon they will write it off.

I mean, I've only paid £20 to be insured comprehensively for a day so how can I expect them to fix maybe £500 worth of damage?

I'm I correct in assuming that even if I dont claim - once I call my future premiums go up? I'm not overly worried about this to be honest. I just want to know if maybe by law/rules I'm meant to call them?

The OP said £20 for the day, not £200.

Accident

OK - I'll call my insurer.

How do I go about providing my mum with a car (this is a major priority for me)

Do I ask the insurer to fix it?
Call a garage to come, assess and fix?
Or just go buy a new car?

What are the pitfalls of doing each?

pinkteapot

Accident wrote: »

I mean, I've only paid £20 to be insured comprehensively for a day so how can I expect them to fix maybe £500 worth of damage?

They will if the car is worth more than that - that's the whole point of insurance. My parents' house flooded and they had a £40,000 insurance claim. They hadn't paid £40,000 for their policy.

They will write it off if the car isn't worth as much as the cost of repairs.

If the insurance company repair it, it will of course be a claim that your mum will have to declare when taking out insurance for the next five years or so, and it will increase her premiums.