Accident - Do I need to inform my Insurance Company?

Andystriker

Hi All,

I was traveling at approx 10 miles per hour and a lady ran out in front of me without looking on a supermarket car park. I did knock her over, but she got up straight away. She told everyone who would listen that it was her own fault.

An ambulance was called and they checked her over and said she had bad bruising, but nothing broken. Thank god she is okay.

The police were called and the lady again told them it was her fault and the police told me that no action would be taken against me. I have a crime reference number.

My question is should I tell my Insurance company. The chance of a successful claim against me should be limited, as I have witnesses and the lady said it was her fault. But should I report it or, as the police and everyone agrees its not my fault, am I okay to leave it?

Captain_Flack.

Andystriker wrote: »

Hi All,

I was traveling at approx 10 miles per hour and a lady ran out in front of me without looking on a supermarket car park. I did knock her over, but she got up straight away. She told everyone who would listen that it was her own fault.

An ambulance was called and they checked her over and said she had bad bruising, but nothing broken. Thank god she is okay.

The police were called and the lady again told them it was her fault and the police told me that no action would be taken against me. I have a crime reference number.

My question is should I tell my Insurance company. The chance of a successful claim against me should be limited, as I have witnesses and the lady said it was her fault. But should I report it or, as the police and everyone agrees its not my fault, am I okay to leave it?

You better hope you haven't.

You should tell them.

spacey2012

If you hit any pedestrian from a moving vehicle, the claim will be paid.
If she wakes up and decides to make a claim and she can, you hit a pedestrian, legally you are liable, what she says is worth jack.
Then you will wish a thousand times over you picked up the phone and called your insurance.

im-lost

You should inform your insurers any incidents, whether a claim is made or not.

It won't look too good on you if a year or two down the line, the dizzy woman decides to try and get some compo with the help of a waaaaaaambulance chacer, although any claim will probably be unsuccessful, it could lead to your policy being cancelled, so subsequent insurance policies will have the price bumped up.

There will be no harm in informing your insurers though, tocover your rear should a claim be made.

It's unlikely to have any effect on future premiums as no claims have been made.

It's not like you can deny any incidents later on, as the police were involved.

Captain_Flack.

spacey2012 wrote: »

If you hit any pedestrian from a moving vehicle, the claim will be paid.
If she wakes up and decides to make a claim and she can, you hit a pedestrian, legally you are liable, what she says is worth jack.
Then you will wish a thousand times over you picked up the phone and called your insurance.

Really?

Why should it pay if there is no liability.

arcon5

spacey2012 wrote: »

If you hit any pedestrian from a moving vehicle, the claim will be paid.
If she wakes up and decides to make a claim and she can, you hit a pedestrian, legally you are liable, what she says is worth jack.
Then you will wish a thousand times over you picked up the phone and called your insurance.

Absolute nonsense!

CynicalScotsman

You should tell them, there are one million and one injury lawyers out there. She will wake up tomorrow with a "sore back/neck" visit her GP, call one of these and claim. It will have 99.99% chance of success.

If you call your insurance now: price may go up a few £'s a month.

If you dont call now: chances of insurance again at reasonable price - minimal.

Andystriker

Captain_Flack. wrote: »

You better hope you haven't.

Just checked and it is an "incident number", not crime reference number

rhysowen9

I work in the motor insurance industry and take it from me.
Two years down the line you'll take out car insurance, answering "no" to the claims question. Three weeks after the policy started, you will wake up to the surprise that there is an incident logged on the CUE database and you are outstanding £100 on your new insurance due to misrepresentation. Why? Because one day she woke up with an ache in her shoulder and thought it may be due to the crash and decides to make a claim.

Andystriker

spacey2012 wrote: »

If you hit any pedestrian from a moving vehicle, the claim will be paid.
If she wakes up and decides to make a claim and she can, you hit a pedestrian, legally you are liable, what she says is worth jack.
Then you will wish a thousand times over you picked up the phone and called your insurance.

Even though she told the Police it was her fault?

Would that not reduce or even make her claim fail?

Thanks for all the replies. I will ring my insurance company and report this.

Thanks everyone.

rhysowen9

If she admitted liability at the scene, great, if the police have that in their statement, great. If she does decide to turn around and take you to court when she has a niggle in her shoulder then it can only work in your favour.

Your insurance company will take the incident number for their system. If you advise them it is for information only and you are not making a claim against her (which I doubt you would), then you still may see a change in your premium on renewal, buy much less than the sting if you fail to disclose.