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    • missjb87
    • By missjb87 13th Jun 19, 9:06 PM
    • 2Posts
    • 0Thanks
    missjb87
    Car Accident No Damage Tell Insurers?
    • #1
    • 13th Jun 19, 9:06 PM
    Car Accident No Damage Tell Insurers? 13th Jun 19 at 9:06 PM
    A couple of months ago I reversed into a car in a multi storey car park. There was no apparent damage to either car but as I didn't have a pen and paper I reported the bump to police on 111 and gave details of both cars.

    I'm now starting to wonder whether I should have also reported it to my insurer? And whether it's too late now?

    I'm just worried if I don't report it and have a subsequent accident the insurers may void my insurance if they can search the police log I made?

    Any advice much appreciated!
Page 1
    • DUTR
    • By DUTR 13th Jun 19, 9:21 PM
    • 12,191 Posts
    • 6,895 Thanks
    DUTR
    • #2
    • 13th Jun 19, 9:21 PM
    • #2
    • 13th Jun 19, 9:21 PM
    A couple of months ago I reversed into a car in a multi storey car park. There was no apparent damage to either car but as I didn't have a pen and paper I reported the bump to police on 111 and gave details of both cars.

    I'm now starting to wonder whether I should have also reported it to my insurer? And whether it's too late now?

    I'm just worried if I don't report it and have a subsequent accident the insurers may void my insurance if they can search the police log I made?

    Any advice much appreciated!
    Originally posted by missjb87
    I think you answered your own query.
    • Aylesbury Duck
    • By Aylesbury Duck 13th Jun 19, 10:47 PM
    • 4,684 Posts
    • 6,285 Thanks
    Aylesbury Duck
    • #3
    • 13th Jun 19, 10:47 PM
    • #3
    • 13th Jun 19, 10:47 PM
    I can’t really offer any practical advice. As you have said, there’s a risk it will come back to bite you either way.
    • a.turner
    • By a.turner 14th Jun 19, 6:54 AM
    • 623 Posts
    • 258 Thanks
    a.turner
    • #4
    • 14th Jun 19, 6:54 AM
    • #4
    • 14th Jun 19, 6:54 AM
    Well your insurers cant search the police log and technically you haven't had a reportable accident so one can only guess what the police have recorded. Did you ever get an accident number?
    • 19lottie82
    • By 19lottie82 15th Jun 19, 9:13 AM
    • 5,815 Posts
    • 8,716 Thanks
    19lottie82
    • #5
    • 15th Jun 19, 9:13 AM
    • #5
    • 15th Jun 19, 9:13 AM
    I’m sure most people on here will tell you to report it, but I wouldn’t bother and I suspect in the real world most other people wouldn’t either.
    • Car 54
    • By Car 54 15th Jun 19, 10:32 AM
    • 4,583 Posts
    • 2,896 Thanks
    Car 54
    • #6
    • 15th Jun 19, 10:32 AM
    • #6
    • 15th Jun 19, 10:32 AM
    Well your insurers cant search the police log and technically you haven't had a reportable accident so one can only guess what the police have recorded. Did you ever get an accident number?
    Originally posted by a.turner
    The OP said "There was no apparent damage".


    This implies that he was aware that underlying damage might have occurred. He was therefore right to report it, and the police to record it.
    • a.turner
    • By a.turner 15th Jun 19, 10:44 AM
    • 623 Posts
    • 258 Thanks
    a.turner
    • #7
    • 15th Jun 19, 10:44 AM
    • #7
    • 15th Jun 19, 10:44 AM
    The OP said "There was no apparent damage".


    This implies that he was aware that underlying damage might have occurred. He was therefore right to report it, and the police to record it.
    Originally posted by Car 54
    Except you don't know they have recorded it.
    • Car 54
    • By Car 54 15th Jun 19, 12:01 PM
    • 4,583 Posts
    • 2,896 Thanks
    Car 54
    • #8
    • 15th Jun 19, 12:01 PM
    • #8
    • 15th Jun 19, 12:01 PM
    Except you don't know they have recorded it.
    Originally posted by a.turner
    You're right. Since (on re-reading) he "reported" it by calling NHS Direct, it's extremely unlikely .
    • Richard53
    • By Richard53 15th Jun 19, 7:06 PM
    • 2,936 Posts
    • 2,438 Thanks
    Richard53
    • #9
    • 15th Jun 19, 7:06 PM
    • #9
    • 15th Jun 19, 7:06 PM
    You're right. Since (on re-reading) he "reported" it by calling NHS Direct, it's extremely unlikely .
    Originally posted by Car 54
    *snort* In the early morning a few days ago I was driving through town and noticed a major set of traffic lights were not working. Thinking it would be rush hour in a short while, I pulled over to report it, and dialled the number I remembered.


    "Hello, NHS Direct ..."
    If someone is nice to you but rude to the waiter, they are not a nice person.
    • AdrianC
    • By AdrianC 15th Jun 19, 7:45 PM
    • 25,018 Posts
    • 24,436 Thanks
    AdrianC
    You don't tell them, they never find out: Zero difference to premium.
    You tell them, they didn't need to know: Zero difference to premium.

    You tell them, they did need to know: Small premium increase for a few years.

    You don't tell them, they did need to know, they find out: Cancelled policy, large premium increases for a very long time.
    • missjb87
    • By missjb87 18th Jun 19, 6:58 AM
    • 2 Posts
    • 0 Thanks
    missjb87
    Hi yes. I got a police reference number.
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