Who's fault is this?

Pottermuss

Interesting story.. I was involved in a minor bump a couple of weeks ago when i reversed into another car, travelling quite slowly so the damage was minor to both vihicles (both 10yrs old), we both exchanged details formally without admitting responsibility - though i have heard nothing since.
Do i inform my insurance or wait for the other party to contact me?

Quentin

You ought to inform your insurance company.

If you don't intend making a claim, mark the letter "For Information Only".

If you get any correspondence from the third party, just send it on unanswered to your insurers to deal with.

cyclonebri1

Quentin wrote: »

You ought to inform your insurance company.

If you don't intend making a claim, mark the letter "For Information Only".

If you get any correspondence from the third party, just send it on unanswered to your insurers to deal with.

IMHO don't do that, it will be classed as an admission of an accident.
Wait till you are forced to act, (if at all).

Quentin

He already said he was involved in an accident:

I was involved in a minor bump a couple of weeks ago when i reversed into another car

So, whatever your humble opinion, he has to inform his insurers (who he will want to pay a claim from the third party if the damages are high)

Pottermuss

Quentin wrote: »

(who he will want to pay a claim from the third party if the damages are high)

Though i would rarther deal direct and not loose any NCB depending on the sizee of the cost.

cyclonebri1

Quentin wrote: »

He already said he was involved in an accident:



So, whatever your humble opinion, he has to inform his insurers (who he will want to pay a claim from the third party if the damages are high)

No he does not, and should not unless a claim is brought by the other party.

Quentin

cyclonebri1 wrote: »

No he does not, and should not unless a claim is brought by the other party.

Wrong.

You are required to inform your insurers "as soon as possible" of any incident which may lead to a claim. All policyholders agree to this when taking out their insurance.

cyclonebri1

Quentin wrote: »

Wrong.

You are required to inform your insurers "as soon as possible" of any incident which may lead to a claim. All policyholders agree to this when taking out their insurance.

In an ideal world the insurers would love everyone to do this but in reallity and in a situation where the other party may not even put this through insurance, to inform at this stage could cost the OP their no claims for no claim.

Even if the event of a claim the OP can furnish full details and will not suffer as a result

Money savingexpert.com is where we are at, not lets comply exactly to what the insurers would want us to do?

bestpud

Shade wrote: »

Hi all & thank you for your help. My neighbour came round earlier & I've told her I'll take responsibility for the damage. We were talking about how it happened & she said she came from my left side & said it was both our faults & she didn't see me reversing just like I didn't see her. But to keep the peace I'll pay up even though its completely different to what she told me in the begining.

Good job she wasn't a child, I say!

Glad you have it sorted though.

Out of interest, what happens if the garage you agree on does a pants job, or the paint peels after a few months, or whatever? Can she then come back at you, or is she forced to simply take is up with the garage?

If it comes to that I suppose, if an insurance company paid for a job that went wrong, would they intervene at a later date, or not?

Should probably start a new thread, sorry, but I've been wondering all this while reading this one!

Quentin

cyclonebri1 wrote: »

to inform at this stage could cost the OP their no claims for no claim.

Wrong again.

How can you lose your "no claims" if no claim is made?

You inform your insurer of the incident, and mark it "for information only".