Bumped into back of another car

katies_mum

Thank you.  She will contact insurance when she gets in from work.  Good to know about letters etc.  We`ve not seen her car yet so not sure if she will need to put in a claim.  They have exchanged all the details they could at the time.  

maxmycardagain

m0bov said:

LightFlare said:

She needs to contact the other party with her insurance details as well

No she doesn't.

leaving the scene without exchanging insurance details is 1 offence

hitting a vehicle in front of you is another (due care and attention)

Insurers can void her insurance if she doesnt tell then within 24hrs, the the mucky stuff flies

your welcome

cw8825

maxmycardagain said:

m0bov said:

LightFlare said:

She needs to contact the other party with her insurance details as well

No she doesn't.

leaving the scene without exchanging insurance details is 1 offence

hitting a vehicle in front of you is another (due care and attention)

Insurers can void her insurance if she doesnt tell then within 24hrs, the the mucky stuff flies

your welcome

1. She exchanged details
2.that offence is literally impossible to prove. She was clearly paying due care and attention to be able to recite what happened. 
3. Your scaremongering. I’d like to see where in the policy you have read this?

Aretnap

cw8825 said:

maxmycardagain said:

m0bov said:

LightFlare said:

She needs to contact the other party with her insurance details as well

No she doesn't.

leaving the scene without exchanging insurance details is 1 offence

hitting a vehicle in front of you is another (due care and attention)

Insurers can void her insurance if she doesnt tell then within 24hrs, the the mucky stuff flies

your welcome

1. She exchanged details
2.that offence is literally impossible to prove. She was clearly paying due care and attention to be able to recite what happened. 
3. Your scaremongering. I’d like to see where in the policy you have read this?

1. Indeed, and there's no requirement to exchange insurance details at the time of an accident (unless an injury was caused) - only names, addresses and vehicle reg numbers.

 2. Silly as maxmycardagain's post was, I do feel the need to point out that driving without due care and attention is not even slightly difficult to prove in a case like this. It is defined as driving that falls below the standard that is expected of a competent, careful driver, and a competent, careful driver is expected not to drive into the back of people.

(Virtually everyone who is at fault in an accident could in theory be prosecuted for DWDCA, not that there is any likelihood of actually being prosecuted over an incident like this).

3. Nearly all policies will tell you to report an accident immediately, or within 24 hours, or within a couple of days - the exact wording and timescale will depend on the insurer. It doesn't follow however that an insurer can void your policy just because you told them outside the timescale - that's just silly scaremongering.

DullGreyGuy

However, as a former claims handler I can count on one hand how many times a driver was prosecuted for driving without due care and attention following a minor fender bender. Some insureds spent a lot of time complaining to the police about their lack of action/not taking it seriously etc but almost without exception it was dismissed as "a civil matter". 

Car_54

katies_mum said:

The 2 girls swapped phone numbers and registration numbers neither had insurance details on them.  

The law required them to provide names and addresses, including those of the car(s) owner if different.

In future, for her own protection, remember this. A mobile phone number may be of no help at all.

Insurance details aren't needed unless someone was injured

m0bov

maxmycardagain said:

m0bov said:

LightFlare said:

She needs to contact the other party with her insurance details as well

No she doesn't.

leaving the scene without exchanging insurance details is 1 offence

hitting a vehicle in front of you is another (due care and attention)

Insurers can void her insurance if she doesnt tell then within 24hrs, the the mucky stuff flies

your welcome

Literally laughing at that.

Okell

Perhaps I've misunderstood but surely the driver who caused this accident was the one travelling in the opposite direction who overtook the bin lorry when they did not have priority, thus causing the car in front of the Op's daughter to brake suddenly and the OP's daughter to run into the back of the car in front?

If the bin lorry has CCTV/dashcam footage of this it should be reported to the police as driving without due care and attention.  (On the part of the driver travelling in the opposite direction who overtook the bin lorry when they did not have priority).

I'm not seeking to reduce the OP's daughter's liability (she should not have been so close to the vehicle in front that she could not stop in time if the vehicle in front stopped in an emergency) but the actual cause of this accident was the driver travelling in the opposite direction, and nobody has so far mentioned them.

Mildly_Miffed

Okell said:

Perhaps I've misunderstood but surely the driver who caused this accident was the one travelling in the opposite direction who overtook the bin lorry when they did not have priority, thus causing the car in front of the Op's daughter to brake suddenly and the OP's daughter to run into the back of the car in front?

No.

If they'd hit the car in front of the OP's daughter, then they may have been at fault in that collision - if that driver had had no opportunity to safely stop.

However, that car DID stop - the only impact was OP's daughter being simply unable to avoid driving into a stationary object in front of her car...

The OP's daughter was simply not leaving enough space for perfectly foreseeable eventualities.

Arunmor

maxmycardagain said:

m0bov said:

LightFlare said:

She needs to contact the other party with her insurance details as well

No she doesn't.

leaving the scene without exchanging insurance details is 1 offence

hitting a vehicle in front of you is another (due care and attention)

Insurers can void her insurance if she doesnt tell then within 24hrs, the the mucky stuff flies

your welcome

Oh dear. 

It's "you're". 

For fear of getting suspended I'll not comment on the rest of your post!