Do I need to tell my insurance company about crash?

kingpuck

Hi,

I'm looking for a bit of advice.

I was driving home yesterday on the motorway when someone pull out from a traffic jam in the slow lane, I hit the corner of their car at about 40 mph and ended up against the barrier. The police came out told me that as it was minor damage (his car had a scratch and I have lost the entire passenger side of my car) they wouldn't get involved. After a bit of talking the other guy admitted liability to the police, I then got a voicemail today from Quinn Direct telling me to get a quote and they would fix the car straight away as he had told them he was at fault too.

My question is really whether I should tell my insurance company or not. Can I just let my solicitor deal with Quinn Direct directly?

Last year someone ran into the back of me, I ended up with days off work, a sore neck for 5 months and the hassle of about 8 months of letters before they finally paid for the car to be fixed. My insuranace company, Admiral, were then kind enough to increase my policy by £150 even though it wasn't my fault as I was now seen as a higher risk driver.

I am thinking however that if I don't tell my insurance company about the crash and the car gets written off it could be a lot of hassle.

Any help would be much appreciated.

ariba10

I think it is a part of the cover that you must tell your insurers of any such incident.

I know that when I was involved when a neighbor caused damage to my parked car and admitted liability, agreeing to pay any costs. I informed me insurers, telling them that "I did not wish to make a claim at this moment in time".

Always cover your backside.

Icarus

Hi,

Firstly, sorry to hear you have been involved in an accident.
Good to hear that third party has admitted liability.

You are legally bound to tell your insurace company about ANY accident. Insurance claims go on a database that is acessable by all insurers, so they will see that you have made a claim against some one elses insurance & may say that due to failure to disclose it invalidates your insurance.


I am in the process of making a third party total loss claim through Admiral, my insurers. I will not be renowing with Admiral as they, use an 0870 number & charge 9.1 pence per minute for all calls to do with a claim. OK this is reclaimable from liable party. But they are profiteering from an accident.

Sorry this probably does not fill you with enthusiasm for the prospect of having to deal with them on your loss.

Good luck

Icarus

Steve1981

Under the Duty of Disclosure you have to tell them, when you took the policy you would have been told

"It is your responsibility to infom us of any changes that may affect your policy"

iceicebaby

Yes you have to tell them. Your details will be on the claims database as being involved in an accident. As has already been said if you dont tell then they can invlaidate your insurance for non disclosure

Hey_Dude

And given that Quinn are looking after you your Insurer will record this as a on-fault claim - no impact on your NCD - simply an info exercise.

Dude