First car accident what do I do?

salesman1979

At 40 years old I have had my first car accident.

Another car went into the back of me on a roundabout while I was stationary so not my fault. He’s reported it to his insurance, I haven’t yet as mine are now closed. But I’ve had a message from his insurer and I’m wondering if I even need to inform/involve my insurer.

This is what they sent me:

Dear Mr X. Sorry to hear you've been involved in an accident with our customer. To minimise any inconvenience to you, we'd like to arrange repairs to your car and provide you with a replacement hire car. This is free of charge and ensures your own insurance policy is unaffected. If you would like our help, please call Ashleigh Robertson on 0345 604 7492, quoting reference xxxxxxx

couriervanman

salesman1979 wrote: »

At 40 years old I have had my first car accident.

Another car went into the back of me on a roundabout while I was stationary so not my fault. He’s reported it to his insurance, I haven’t yet as mine are now closed. But I’ve had a message from his insurer and I’m wondering if I even need to inform/involve my insurer.

This is what they sent me:

Dear Mr X. Sorry to hear you've been involved in an accident with our customer. To minimise any inconvenience to you, we'd like to arrange repairs to your car and provide you with a replacement hire car. This is free of charge and ensures your own insurance policy is unaffected. If you would like our help, please call Ashleigh Robertson on 0345 604 7492, quoting reference xxxxxxx

Some on here will insist you must inform your insurance company.....others myself included will say contact his insurance company and not yours.i wont say anymore because it will fan the flames for certain people on here

salesman1979

Obviously I’d need to declare this non fault accident at renewal I just don’t see why they’d need to know now

AdrianC

Use his insurer to do the repairs.

Inform yours, and tell them that it's all in hand.

couriervanman

salesman1979 wrote: »

Obviously I’d need to declare this non fault accident at renewal I just don’t see why they’d need to know now

Again that's a touchy subject on here some will say yes.....others no;)

Aylesbury_Duck

salesman1979 wrote: »

Obviously I’d need to declare this non fault accident at renewal I just don’t see why they’d need to know now

Check your terms and conditions. You may be obliged to inform them now. If you're going to inform them anyway, I don't see what difference it makes whether you do so now or at renewal. You don't want to risk being in breach of your policy terms.

Shaun_of_the_Dead

couriervanman wrote: »

Some on here will insist you must inform your insurance company.....others myself included will say contact his insurance company and not yours.i wont say anymore because it will fan the flames for certain people on here

Given the third party has already reported it to his insurance company and the will have entered the accident onto the Cue database. What possible reason can you give for the op not informing his insurance company?

salesman1979

I’ll use his for repairs and hire car. Is my excess still payable?

What if I’m putting a whiplash claim in? What’s the best way? This happened about 5 hours ago and I’m currently laying on the bed with a huge amount of pain building in my upper back. I was going to just see my GP in the new year but now I’m considering going to hospital due to the pain.

Aylesbury_Duck

salesman1979 wrote: »

What if I’m putting a whiplash claim in? What’s the best way? This happened about 5 hours ago and I’m currently laying on the bed with a huge amount of pain building in my upper back. I was going to just see my GP in the new year but now I’m considering going to hospital due to the pain.

Then definitely contact your insurer. It's now become much more serious than just a straightforward bump.

Shaun_of_the_Dead

salesman1979 wrote: »

I’ll use his for repairs and hire car. Is my excess still payable?

What if I’m putting a whiplash claim in? What’s the best way? This happened about 5 hours ago and I’m currently laying on the bed with a huge amount of pain building in my upper back. I was going to just see my GP in the new year but now I’m considering going to hospital due to the pain.

No and it's too early for a whiplash claim.

born_again

Is that a genuine No for the other parties ins co & not a 3rd party claims co?

Whiplash get to hospital. Just to make sure that you are not accused of faking a injury for a extra payout.