First car accident what do I do?

neilmcl

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

But once the TP insurer deals with it the incident will be on the insurance database so the OP will be best informing his own, whether now or at renewal will be down to their T&Cs.

neilmcl

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 policy's T&Cs.

neilmcl

born_again wrote: »

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

In regards to what?

Mercdriver

Anyone suggesting you not inform your insurer when another insurer is involved should contract themselves to pay for your insurance premiums in the event of you having your cover cancelled. Generally you are asked at proposal stage have you EVER had a policy cancelled.

It's too soon for any soft tissue damage to really show its symptoms. You don't need to waste anybody's time and resources at A&E unless it really is that urgent. You can make an appointment with your GP if it doesn't require emergency intervention. That will not affect your chances of a claim.

Personally I would get everything lined up for your car claim now and see how you feel in the morning. If it is worse in the morning, contact the NHS helpline and/or your GP surgery. Not immediately going to A&E will also demonstrate you are genuine and not out to maximise income.

Mercdriver

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

Are you prepared to commit to indemnify the OP for his increased premiums for an indeterminate time if he has his policy cancelled? The accident will be on the database. It's not about holier than thou, it is about pragmatism and managing risks. It is out of the OP's hands once one party has reported it to his insurers.

molerat

OP needs to read their policy document for their contractual obligations under their policy. Direct Line are quite clear on the subject.

You must tell us before the next renewal date (or at the time you are making any of the changes already mentioned) if you or anyone covered by this policy have:
......
had any accidents, thefts or losses (whether a claim was reported or not and regardless of blame);
......

salesman1979

I feel horrendous this morning. Feels like my back muscles have seized or something. I can barely move.

Made GP appointment. Trying to get myself ready now. It’s going particularly well.

Nobbie1967

salesman1979 wrote: »

I feel horrendous this morning. Feels like my back muscles have seized or something. I can barely move.

Made GP appointment. Trying to get myself ready now. It’s going particularly well.

Sort out some private physio sessions, the earlier you start these, the better the chance of avoiding long term issues. NHS will probably take weeks to sort out, but worth asking your GP just to show you are mitigating your losses.

Mercdriver

Nobbie1967 wrote: »

Sort out some private physio sessions, the earlier you start these, the better the chance of avoiding long term issues. NHS will probably take weeks to sort out, but worth asking your GP just to show you are mitigating your losses.

Some insurance companies - Aviva among them - now send people with soft tissue damage to private clinics in lieu of some of the payment.

couriervanman

Shaun_of_the_Dead wrote: »

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?

As a side note not all insurance companies use/are on the Cue database

https://www.rias.co.uk/news-and-guides/demystifying-insurance/how-does-the-cue-affect-your-car-insurance/