Accident in car park.

grund1g

I was in a car park when someone reversed into me. The other driver admitted responsibility. We exchanged details. The damage was only a couple of scratches, so I was to get my car repaired and he would pay. When I arrived home the other driver phoned me to say he had spoken to his insurance company and it was me who reversed into him, he was going to claim for repairs, whiplash and pains in his back and I should inform my insurance company. Luckily I have a front and rear dashcam. I reviewed the footage and it was quite clear what happened. Once the other driver realised I had this evidence he changed his mind.

To cover myself I told my insurance company what happened. I had the car repaired, paid for it myself and I thought that was the end of the matter.

I have now received a letter from my insurance company saying they have put a none fault (notification only) accident on my file and my insurance premiums had increased by £ 28.76. How can they do that it wasn't my fault and I didn't claim. Surely that can't be right.

Aylesbury_Duck

grund1g wrote: »

I was in a car park when someone reversed into me. The other driver admitted responsibility. We exchanged details. The damage was only a couple of scratches, so I was to get my car repaired and he would pay. When I arrived home the other driver phoned me to say he had spoken to his insurance company and it was me who reversed into him, he was going to claim for repairs, whiplash and pains in his back and I should inform my insurance company. Luckily I have a front and rear dashcam. I reviewed the footage and it was quite clear what happened. Once the other driver realised I had this evidence he changed his mind.

To cover myself I told my insurance company what happened. I had the car repaired, paid for it myself and I thought that was the end of the matter.

I have now received a letter from my insurance company saying they have put a none fault (notification only) accident on my file and my insurance premiums had increased by £ 28.76. How can they do that it wasn't my fault and I didn't claim. Surely that can't be right.

It is right. You are deemed to be a driver who is statistically more likely to be involved in an accident than you were before this one. You are a greater risk to them so they have made a modest increase to your premiums accordingly.

Nasqueron

You drive and park in areas where people hit you when parking therefore you are more of a risk.

I'd have been tempted to keep my powder dry on the dash cam, wait until you see the claim from him with all his lies and then speak to his insurer and provide the evidence and see what they come back with, probably nothing would happen but would be nice if people like that had their policy cancelled for lying

AdrianC

grund1g wrote: »

I have now received a letter from my insurance company saying they have put a none fault (notification only) accident on my file and my insurance premiums had increased by £ 28.76. How can they do that it wasn't my fault and I didn't claim. Surely that can't be right.

They have put a note on your insurance to say you were involved in a collision that wasn't your fault, and which you didn't claim for.


But that's right, isn't it?

Deastons

You should write back to them claiming for the cost of your dashcam which, ultimately, saved your insurance company a lot of money.

Ganga

Nasqueron wrote: »

You drive and park in areas where people hit you when parking therefore you are more of a risk.

I'd have been tempted to keep my powder dry on the dash cam, wait until you see the claim from him with all his lies and then speak to his insurer and provide the evidence and see what they come back with, probably nothing would happen but would be nice if people like that had their policy cancelled for lying

I agree with you,would have been even better to threaten to take him to court for making false accusations and mention the dash cam proof,he would have needed fresh underpants:rotfl::rotfl::rotfl:

DoaM

grund1g wrote: »

I have now received a letter from my insurance company saying they have put a none fault (notification only) accident on my file and my insurance premiums had increased by £ 28.76. How can they do that it wasn't my fault and I didn't claim. Surely that can't be right.

They've increased your premiums for an existing policy? Do the terms allow them to do this?

Or do you mean they've increased your renewal by that amount?

Joe_Horner

Nasqueron wrote: »

You drive and park in areas where people hit you when parking therefore you are more of a risk.

What, like public roads and car parks?

I know that's their justification but it's a weak one at best.

Consider that, against that fairly speculative argument, there's the alternative interpretation that he's definitively shown himself to be a driver who's unlikely to cost them money on frivolous claims for minor scratches. Therefore, he's a lower risk than many.

As for keeping the footage to yourself until the claim proceeds, absolutely agree with that and believe that insurers should be under a legal obligation to commence fraud proceedings when such a situation comes to light as part of their duty of care to their clients.

grund1g

They have increased my current insurance saying it should have been declared on renual. It was declared but they just forgot.

So if I park where it's at an increased risk the whole country that shop in Matks and Spencer's should pay an increased premium then. It was parked in M&S car park.

I'm changing my car next month so i will shop arround for insurance and also ask the question.

I'm sure it will be covered in their terms but that doesn't mean to say its legal.

No this is just a money grabbing exercise. No wander so many minor accidents don't get reported.

DoaM

grund1g wrote: »

They have increased my current insurance saying it should have been declared on renual. It was declared but they just forgot.

Are you paying monthly or did you pay the premium up front?

Regardless, the contract (offer, acceptance, consideration) is concluded, especially if you can prove that you did declare the incident prior to renewal.

Car_54

grund1g wrote: »

They have increased my current insurance saying it should have been declared on renual. It was declared but they just forgot.

How could they "forget?


Either you told them in writing, and they'll have a copy, or on the phone, and they'll have recorded it. Whichever, ask them to check their records.


If you're right you should get your £28 back.



If wrong, then you've got away lightly. They can cancel a policy for failing to declare accidents.