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Insurance - procedure after accident
Legacy_user
Posts: 0 Newbie
Our works van had a minor collision a few days ago. A motorcyclist came round a blind bend at speed and skidded into the van. The van sustained a deflated tyre, the bike was scratched, the motorcyclist appeared unhurt but was taken to hospital for a check up.
The police arrived within minutes, took everyone's details, confirmed our insurance was OK, and said there was nothing more to do, they would log the details and give them to the insurers.
I rang our brokers (Swinton) to report and ask for advice, and they said as our van had suffered no damage and we were not claiming, there was nothing to report.
I have always understood that it was important to report any incident just in case, so I wrote to the brokers setting out the circumstances, emphasising that we were not claiming and that this notification was for information only.
Is this correct? Should I do anything else? What exactly is the police role regarding the reporting of accidents to insurance companies?
The police arrived within minutes, took everyone's details, confirmed our insurance was OK, and said there was nothing more to do, they would log the details and give them to the insurers.
I rang our brokers (Swinton) to report and ask for advice, and they said as our van had suffered no damage and we were not claiming, there was nothing to report.
I have always understood that it was important to report any incident just in case, so I wrote to the brokers setting out the circumstances, emphasising that we were not claiming and that this notification was for information only.
Is this correct? Should I do anything else? What exactly is the police role regarding the reporting of accidents to insurance companies?
0
Comments
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You have done the right thing. No police have no role regarding reporting to insurance companies.Clifford_Pope wrote: »
Is this correct? Should I do anything else? What exactly is the police role regarding the reporting of accidents to insurance companies?0 -
You have done the correct things. Nothing else to do now, though the incident will need disclosing if you change insurer during the next 3/5 years (depending on the length of history required).
Should the third party send any correspondence pass it on to your insurer to deal with.0 -
Many thanks.
I was just worried that we had not done the right thing, in not exchanging particulars at the scene. The police took charge, hustled the motorcyclist away into the ambulance before we could talk to him, and seemed to settle all the insurance procedures just by checking the registration numbers.
So we have no record of the motorcyclist's name, address, insurers or even registration number. The police just seemed keen to clear the road and move everybody on.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
If you do need it, ring the police and they should give you a copy of their report.0
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