Minor fault accident - panicking

starfish2014

Deleted due to edit

Car_54

I wouldn't worry - the insurers must see this all the time.

The other party has probably left the scene happy that there was no damage, and then gone home and mentioned the bump to friends, who will have suggested that he might have whiplash...

The only bad outcome for your husband will be increased premiums.

Astronaughtwannabe

Your obligation is to report a loss to your insurer....at the time you didn't believe there was one.

neilmcl

Yep, sounds definitely like a dodgy injury claim. Although,, rightly, your husband is at fault make sure he explains to his insurer that there was no damage visible to either car and the impact was low enough to think that any injury took place.

Nasqueron

neilmcl wrote: »

Yep, sounds definitely like a dodgy injury claim. Although,, rightly, your husband is at fault make sure he explains to his insurer that there was no damage visible to either car and the impact was low enough to think that any injury took place.

Insurer, sadly, won't fight a claim like that, husband ran into the back of the car, without a dash cam proving they staged the accident (and given the car in front did it, maybe stalled etc) he wouldn't have a leg to stand on. Pay out £1000-£1500 or spend more defending in court for a claim they may well lose unless they start demanding medical evidence, easy option for insurer and nothing the OP's partner can do.

starfish2014

Thanks everyone.

arcon5

Astronaughtwannabe wrote: »

Your obligation is to report a loss to your insurer....at the time you didn't believe there was one.

I'd be surprised if they didn't use the word "incident" also.

Car_54

ruby181 wrote: »

Thanks everyone, so you think insurer will deal with claim, even though I informed them late?

The insurer has no choice but to deal with it.

Whether or not they'll fight it is another matter, but that won't affect your husband.

starfish2014

Thanks everyone