Speeding ticket for car in for repairs

IamNotAllowedToUseMyName

Just to add that don't call it an accident, just say you had some bodywork damage repaired due to hitting an animal running across the road. It may play differently.

mossstitchmama

Thanks for the replies regarding insurance. Will let her read all of your replies and then she can act accordingly. It would be just her luck for something to happen and her insurance not to pay out.

arcon5

neilmcl wrote: »

I need to check my insurance booklet but I was under the impression that you had to inform your insurer of accidents or incidents only if they MAY lead to a claim. As this clearly wouldn't I'm not sure that you need to tell them. I could be wrong though so worth checking the wording of your policy.

I'd be surprised if it didn't say op must report ALL incidents irrespective of whether a claim may or may not come about.
I suppose the idea is whether a claim could come about may be open o different view points. If you have an accident and damage the highway a claim could come about by the highway agency or environmental agency or something or even the fire brigade or ambulance service (as recent threads have reported) but the person may not realise this is possible.

neilmcl

True but if, for example, you backed into your own fence post, strictly speaking this is an accident but not something you'd feel needed the attention of your insurance company, and rightly so.

This time of year there will be plenty of people involved in wildlife roadkill, causing damage to their vehicles, repairing it themselves and not feeling required to inform their insurers.

As I say it's best to read the policy document and take the lead from there.

arcon5

neilmcl wrote: »

True but if, for example, you backed into your own fence post, strictly speaking this is an accident but not something you'd feel needed the attention of your insurance company, and rightly so.

This time of year there will be plenty of people involved in wildlife roadkill, causing damage to their vehicles, repairing it themselves and not feeling required to inform their insurers.

As I say it's best to read the policy document and take the lead from there.

Whether you feel you shouldn't have to tell them is irrelevant.

My insurer for example have a couple of points on accidents/incidents:

12.
The car
is involved in an accident or fire, or
someone steals, damages or tries to break
into it.
13.
Anyone who drives
the car
is involved in
any accident or has a vehicle damaged or
stolen.

Under the conditions of your policy, you must tell us
about any incident (such as an accident or theft), whether or not you think it is likely to give rise to a claim

This certainly implies all incidents, irrespective of the possibility of the claim and irrespective of the circumstances need reporting.

And i've never ever known a policy not to have identical terms, albeit worded differently.

The fact most don't report incidents involving animals, bumps etc is completely different to the requirement to notify your insurer.

Nodding_Donkey

if the insurance company suddenly turn round in 2 years time and accuse you of having an accident with a deer all you have to do is tell them you ran Bambi over deliberately. Ergo, no accident :A