car accident - little damage

darren2385

i have notified my insurance but not claiming at the moment.

Can the other driver make a claim in a few months / years time out of the blue?

InsideInsurance

darren2385 wrote: »

Can the other driver make a claim in a few months / years time out of the blue?

6 years for physical damage (5 in Scotland) and 3 years for injury

darren2385

presumably that right also applies to me if the paint work starts to flake in the winter months?

darren2385

will my current insurer also cover me in x years time?

Quentin

If you claim in years to come expect problems proving flaky paint isn't wear and tear or manufacturing defect.

InsideInsurance

Quentin wrote: »

If you claim in years to come expect problems proving flaky paint isn't wear and tear or manufacturing defect.

And that the problem isnt caused by your lack of action/ delays.

Your current insurers would cover defending and third party claim that originates from an incident that occurred during the period of insurance. If the incident involved the injury of a minor then they actually have until their 21st birthday to make a claim so you do get claims 20 years later in rare cases. This is effectively governed by law and not just the policy wording

Claiming off your own policy for own damages is defined by the policy terms, the majority dont specify a time limit but in theory they could. If you had left minor damage that could have been repaired and allowed it to rust resulting in the panel needing to be replaced then the insurer would only be responsible for paying what the original repair costs would have been not the extra damage caused by inaction

[Deleted User]

Just claim off the third party. Don't be bullied into letting it go.

DUTR

darren2385 wrote: »

Hello

I have a brand new car and yesterday somebody drove into the back of me at around 5mph.

The damage is barely visible but there is a small indentation in the painted bumper and scuff mark.

I don't know whether I should phone my insurance to tell them /make a claim. I feel the other parities will think im being ridiculous and worried because they know where i live etc.

On the other hand, I dont know what could crop up in future if I dont disclose the incident and then later the insurance company find out.

i.e. If i dont record the incident and but somebody else does without me knowing - i won't know what to answer for the question "have you had any accidents in the last 5 years"

What would you do?

Someone scuffed my bumper on a brand new car, well I say it looked like a scuff, but the bumper was damaged and the number plate light holders were damaged plus the paint was blistered, in the end it cost nearly £2k for a repair, I let the accident management company deal with it, I notified the insurance but not made a claim via my insurance.

darren2385

I have told my insurance company who have put it down as notification record for now. My question is - who else can see that information on a database? Will this cause issues in future when I part exchange the car? I am not sure if they ask if it has been in an accident?

InsideInsurance

darren2385 wrote: »

I have told my insurance company who have put it down as notification record for now. My question is - who else can see that information on a database? Will this cause issues in future when I part exchange the car? I am not sure if they ask if it has been in an accident?

Only a total loss or stolen not recovered is marked against the vehicle itself. The rest is just held in CUE which only insurers have access to