Accident Reporting

[Deleted User]

Stupid question but really I don't know the actual answer 🙄

I came off the road and needing winching out as the car was stuck in some boggy grassland.

No one else was involved, no one else caused it, no damage to any property, was on the moors, no fences, barriers or anything else.

I've been winched out, recovery has checked over, just need a couple of bolts on the under tray as it's loose.

Car been driven home fine, no issues, not a single mark on it.

Do insurance need to know? I'm assuming the answer is yes?

I've had a visit from the police as another force reported that I'd been in a crash and driven off, told them I'd come off the road due to bad weather and misjudging a turn. I couldn't of driven off if I even wanted to as the car was stuck with no traction. Waited 2 hours for recovery, so no idea why another force is reporting that. Told them they can check over the car, they'd soon see it's not been in a collision.

Anyways that's beside the point, report it to insurance yes or no?

Veteransaver

Sounds like a bit of offroading and getting stuck in the mud to me. I wouldn't report it.
Anymore than I'd report spinning my car on some ice if there was no damage or anyone else involved.

[Deleted User]

Veteransaver said:

Sounds like a bit of offroading and getting stuck in the mud to me. I wouldn't report it.
Anymore than I'd report spinning my car on some ice if there was no damage or anyone else involved.

Cheers, yeah I looked on the insurance claim portal and couldn't find anything that matched up with my situation, it was all about accident into person, property etc, nothing about just coming off the road and having to be winched out. 

The police report threw me a bit because I was thinking maybe that's getting reported back to insurance now. Police have been to look at my car, they've not been back since they left to look at it, so guessing they're satisfied that it's been reported incorrectly.

DullGreyGuy

In principle it's likely that you should inform them, at least before renewal, however most people "forget" to do so for one party incidents where they aren't intending to claim own damage. 

Veteransaver

It's basically the same as nearly having an accident Eg swerved to avoid something.  Why would anyone report that. What what the insurance company even do with that knowledge?