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Claiming on Old Accident

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
2 replies 533 views
emc123emc123 Forumite
1 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
So back when it was snowing in Feb my partner slid and went into the back of someone. The damage was minimal....seriously it was about 2mph! Contact details were taken and that was that. However the other party got their car 'fixed' and sent us a bill for nearly £400!

We didn't accept this and said if the damage was that bad we would clearly have gone through the insurance, he hassled and hassled us for the money and then everything went quiet. We thought it was a scam and he was just trying to get some money from us, particularly seeing as he was adamant he didn't want insurance companies involved and also because he said someone else had recently gone into the back of him causing damage to the rear bumper bar which is what he claimed needed to be repaired now.

However months on he has made a claim on the insurance.....where do we stand on this? He's already had the supposed work done, we don't even own the car involved anymore, to which there was no damage, and it's been so long!

Any advice would be greatly appreciated! Thanks


  • nomoneytodaynomoneytoday Forumite
    4.9K posts
    Your choices were to pay the £400, or let the insurance deal with it. Since you didn't pay the £400, call your insurance company and be honest.

    Just because you didn't see anything doesn't mean there was no damage to the person whose car you hit..
  • QuentinQuentin Forumite
    40.4K posts
    Now that the incident has been reported to the innocent party's insurer then you must quickly inform your own insurer or risk them cancelling your policy due to your breach of the conditions by not informing them. (The details of the incident will be recorded on the shared database used by insurers to prevent fraud)

    Note that they will still deal with the third party claims (including injury compensation etc) even if your policy is cancelled but would in turn turn their sights on you to recompense them!
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