non fault accident while stationary

dingends

good evening!

just came home and had someone banging in my back.

I were standing on a roundabout for about 2 minutes on a red light, until the driver behind me rolled into me, cracking my number plate and made few scratches on the bumper.

however, as I had time while standing on the light, I watched in the back mirror and the lady on the wheel were checking her phone when she rolled into me.


Its not a major damage, just few scratches and the number plate. So now she offeres to settle without insurance, what do you guys think? I mean i can live with the scratches and a new number plate is not expensive - but checking my insurance - admiral - it seems like i will get a price hike even on an non fault accident.


what would you suggest? take the money offered and settle private or go through insurance and risk increased premiums?

tanks for any comments!

dingends

BykerSands

Your options are

Take the cash and say nothing
Take the cash, inform your insurance company for information only
Claim on you insurance
Claim on her insurance
Put it down to experience say and do nothing.

Only you can decide what to do.

loskie

Report her to the police for using a hand held phone. Next time it may be a pedestrian.

BykerSands

loskie wrote: »

Report her to the police for using a hand held phone. Next time it may be a pedestrian.

Waste of time.

PasturesNew

I'd take her cash and that'd be the end of it.
I don't believe insurance companies need to know about this stuff.

She hit you, she agrees, she offers to pay. So far as I'm concerned that's deal done. End of story.

Insurance is only there in case there's a problem .... and there's no problem.

Take the cash.

IMHO it's no different to her nudging past you in a cafe, knocking your bag onto the floor, spilling your coffee onto your coat and offering you money to have the coat cleaned and a new coffee.

mark1959

I think using your mobile whilst driving is a bit more serious than knocking over a cup of coffee. The latter (latte?) Is an accident and the former is stupid/silly/irresponsible. Using a mobile while driving should be a minimum 6 points and a hefty fine. IMO.

BykerSands

mark1959 wrote: »

I think using your mobile whilst driving is a bit more serious than knocking over a cup of coffee. The latter (latte?) Is an accident and the former is stupid/silly/irresponsible. Using a mobile while driving should be a minimum 6 points and a hefty fine. IMO.

Unless he was hit by an hgv it would just be four points.

mark1959

Or no points.

BykerSands

mark1959 wrote: »

Or no points.

Really, mobile phone conviction and not points.

Where has this happened?

slink85

mark1959 wrote: »

I think using your mobile whilst driving is a bit more serious than knocking over a cup of coffee. The latter (latte?) Is an accident and the former is stupid/silly/irresponsible. Using a mobile while driving should be a minimum 6 points and a hefty fine. IMO.

is it any different to looking at a sat nav? fiddling with the radio? putting the windows up or down? I bet you do one or all of them on a daily basis

PasturesNew

slink85 wrote: »

is it any different to looking at a sat nav? fiddling with the radio? putting the windows up or down? I bet you do one or all of them on a daily basis

Yes it is. The mental processing required to listen to/think about/respond to a telephone call is an entirely different ball game to any other functions.

While listening, processing, thinking, then delivering an appropriate response, you're not able to concentrate on driving. Indeed, that's a lot harder to do than if you were singing along with the radio, while eating a sandwich and smoking a cigarette.... all of which are background tasks which are done on auto-pilot.