Second minor accident in a year - advice needed

BeenThroughItAll

Mercdriver wrote: »

In the words of Mr Winner from the old esure ads, "Calm down, dear".

Get things in the right order rather than be alarmist. If the third party notifies the OPs insurer before the OP, yes, they MAY decide to cancel the OP's insurance. This is not a certainty, however. They may ask the OP why he/she delayed in giving over the information.

Whatever happens, the OP's insurer will pay all parts of the claim that it sees fit to or is obliged to by a court. They MAY then seek recompense from the OP.

If what you suggested happened everytime more people would think twice about making arrangements. The truth is that most insurance companies will use their discretion, depending on several factors.

To the OP, yes you should let your insurer know as soon as practicable even if the third party decides to get it done between you. This protects you should he decide he is suffering from whiplash.

Ignore Darkmatter101. He's a sensationalist. And a fantasist.

Billy_Bullocks

liltzero wrote: »

Of course. Just as long as you notify them you've been involved in an accident.

Trust me, look at your policy. It will state you MUST notify your insurer within 24 hours. Failure to do this means they can cancel your policy if they wanted to.

Alternatively risk not notifying them but you could be landed with a huge bill.

Have you read their policy? No, I didn't think so.