Rear ended. Should I claim or not?

Captain_Flack.

AdrianC wrote: »

I would.

OP - You won't lose your no-claims bonus, but you will have to declare being involved in a claim for the next five years, even though you will be able to say you were not at fault. Go and play with a meerkat to see what quotes you get with and without a not-at-fault claim.

But, definitely, go straight to the fleet manager of the company whose truck it was, and definitely get it checked for other damage. If it is just glass, they'll probably just sort it directly. If it's just a glass claim, I wouldn't notify it - same as a windscreen claim wouldn't need notifying.

But it's not just a glass claim is it?


It's a RTC and the insurance should be informed.

Captain_Flack.

AdrianC wrote: »

Absolutely not my intent. If you get a windscreen off your own policy, your NCB is not affected, nor is your ongoing premium. That says to me that they don't want to know about glass-only.

But this isn't glass only is it?

AdrianC

Captain_Flack. wrote: »

But it's not just a glass claim is it?

It is if there's only glass damaged, yes. That's kinda the definition of a "glass claim".

Is it any more of an RTC than if the truck's wheel had lobbed a stone into the windscreen?

Captain_Flack.

AdrianC wrote: »

It is if there's only glass damaged, yes. That's kinda the definition of a "glass claim".

Is it any more of an RTC than if the truck's wheel had lobbed a stone into the windscreen?

No and that too would be a RTC.


You do know what a collision is don't you?

AdrianC

Captain_Flack. wrote: »

No and that too would be a RTC.

How about if the stone chipped the paint on the bonnet instead?

Captain_Flack.

AdrianC wrote: »

How about if the stone chipped the paint on the bonnet instead?

Tell us why that isn't one too, providing another motor or mechanically propelled vehicle threw it up.

You're backing yourself into a corner with your lack of knowledge.

Ultrasonic

In my experience of a non-fault claim sorted by the other driver's insurance compancy the difference to my premium the following year was very small (~£5 IIRC between quotes declaring it or not).

I would claim. In part as others have said in case the damage to your car is more substantial than you first realise.

AdrianC

Captain_Flack. wrote: »

Tell us why that isn't one too, providing another motor or mechanically propelled vehicle threw it up.

You're backing yourself into a corner with your lack of knowledge.

Not at all - I'm suggesting that your zero-tolerance approach will have you on the phone to the insurer reporting stone chips after virtually every motorway run.

Captain_Flack.

AdrianC wrote: »

Not at all - I'm suggesting that your zero-tolerance approach will have you on the phone to the insurer reporting stone chips after virtually every motorway run.

Anyway back on topic, why is this just a glass claim and not a collision?

AdrianC

Captain_Flack. wrote: »

Anyway back on topic, why is this just a glass claim and not a collision?

Because, we're told, there's only glass damaged.