Rear ended. Should I claim or not?

bigjl

spacey2012 wrote: »

If the other party informs their insurance, it goes on MIDAS database, yours gets a flag message and wants to know why you have kept schum and cancels your insurance and then things get very expensive indeed.
You join the queue down at the specialist brokers with the drunk drivers.

A bit over dramatic isn't it.

AdrianC

bigjl wrote: »

How do they repair your windscreen if you don't inform them?

The last window I had replaced, the first (and only) the insurance knew was when I sent them the invoice for repayment (less the excess).

Flack would call that an RTC, too - a fatality was involved, but the deceased was uninsured. Damn pigeons.

Basil74

bigjl wrote: »

A bit over dramatic isn't it.

Seems entirely plausible to me... getting an insurance policy cancelled for any reason is a huge black ball... and you probably would be treated as badly as drunk driver or someone with a serious motoring conviction when you try to take out a new policy.

Captain_Flack.

AdrianC wrote: »

The last window I had replaced, the first (and only) the insurance knew was when I sent them the invoice for repayment (less the excess).

Flack would call that an RTC, too - a fatality was involved, but the deceased was uninsured. Damn pigeons.

More evidence you don't actually know what a collision is.

Richard53

Stooby2 wrote: »

I'm not someone for making meaningless claims but you may find in the next day or two your neck and back start aching. If they do, get seen by your doctor. Firstly, because later in life you may get back & neck problems and you'll have a documented history.

Same here. I loathe the 'claim culture', but sometimes you have to look after your own interests.

My last (only) insurance claim was back in 1981, when a car turned in front of me on a dual carriageway and we had a slowish head-on. I was fine, but my ex-wife had a sore neck the next day. A friend (newly-qualified solicitor) advised taking the other driver to court for personal injury, but we were all British about it and decided not to pursue. 32 years later, and she has had problems with her neck and upper back all her life since then, some leading to time off work and all painful and inconvenient.

Get it checked and (wise suggestion) documented 'just in case'.