Not a major Car Accident

[Mudball]

Mrs was waiting at a roundabout when the car was hit by another. Nothing major, minor dent & scratch’s. Both parties stopped exchanged phone nos and photos. She left scene and been at work.

I am assuming I need to now contact the other party. Don’t have their email. Is there a template? Don’t want to do it just on phone/txt/whatsapp. Do I need to contact insurance within a certain time or can it wait till I am back in the UK mid week?

 

[Deleted member 21784]

Mrs was waiting at a roundabout when the car was hit by another. Nothing major, minor dent & scratch’s. Both parties stopped exchanged phone nos and photos. She left scene and been at work.

I am assuming I need to now contact the other party. Don’t have their email. Is there a template? Don’t want to do it just on phone/txt/whatsapp. Do I need to contact insurance within a certain time or can it wait till I am back in the UK mid week?

By the letter of the terms you should notify your insurance company asap

Give them all the details of the other party and hand it over to them

 

[Lord Tyrion]

I would get the ball rolling asap, don't hang around.

Insurance will look after everything, leave them to it.

 

[Deleted member 35927]

Contact the other person first , they may wish to pay it personally rather than go via insurance if it's a small knock . It's perfectly acceptable to do so

 

[3 jabber]

How minor is the damage? If it can be fixed cheaply and properly by one of those 'dent repair' companies consider having them do it privately. If you go through your insurance your premiums will be loaded next year regardless of who is at fault. As soon as you log a claim you are considered high risk. If possible I would get a quote and discuss with the other party as I'm sure they don't want a claim on their policy.

 

[Deleted member 21784]

Contact the other person first , they may wish to pay it personally rather than go via insurance if it's a small knock . It's perfectly acceptable to do so

Actually it's by the terms of insurance not correct. You are supposed to regardless let them know. Even if your not claiming.
Now not for a min am I suggesting doing that saying it's acceptable is incorrect

 

[jim8flog]

By the letter of the law both parties should exchange names and addresses at the scene of the accident.
I assume she took down the registration number at least, if yes the insurance company can get it from that.
There is a fairly standard letter for claiming for uninsured losses such any excess.

 

[Mudball]

Haven’t seen the thing.. but from what I hear, due to low speed it is minor scratch and dent..
I am assuming the other driver was also slowing down as she was approaching the roundabout. She may have overrun her estimate and kissed our car.
Either way a bit of work is needed. It is the headache I could do without. The other question is if the other driver was insured..

 

[Lord Tyrion]

I would say, don't over complicate this. If it's really minor, let the other side pay for the repair. If it's anything other than really minor, let the insurance sort it

Don't underestimate the cost of repairing a dent though. They don't just pop out.

 

[clubchamp98]

I would say, don't over complicate this. If it's really minor, let the other side pay for the repair. If it's anything other than really minor, let the insurance sort it

Don't underestimate the cost of repairing a dent though. They don't just pop out.

It’s not the visible damage that’s important!
It’s if any safety gadgets, airbag sensors, parking sensors have been damaged.

Cars are over engineered now and a minor knock can be expensive.

 

[spongebob59]

I'd get the car checked if you can, they are made to crumple to make them safe, so the sub frame may well be damged.
Get an estimate from a local garage and go from there.

 

[Reemul]

How minor is the damage? If it can be fixed cheaply and properly by one of those 'dent repair' companies consider having them do it privately. If you go through your insurance your premiums will be loaded next year regardless of who is at fault. As soon as you log a claim you are considered high risk. If possible I would get a quote and discuss with the other party as I'm sure they don't want a claim on their policy.

This is not automatically correct and regardless of a premium increase you need to tell your insurancer company, hiding it only adds to the risk later on down the line. A no fault claim 99% of the time does not increase the premium unless you are having them regularly. I had 1 2 years a go and made no difference, additionally I am an insurance broker who insurers cars and houses.

 

[Deleted member 21784]

This is not automatically correct and regardless of a premium increase you need to tell your insurancer company, hiding it only adds to the risk later on down the line. A no fault claim 99% of the time does not increase the premium unless you are having them regularly. I had 1 2 years a go and made no difference, additionally I am an insurance broker who insurers cars and houses.

It is a very old fashioned view point to avoid insurance where possible

However we pay our premium, earn no claims, protect our no claims to avoid using it when we need it? Crazy when you think about it

 

[3 jabber]

This is not automatically correct and regardless of a premium increase you need to tell your insurancer company, hiding it only adds to the risk later on down the line. A no fault claim 99% of the time does not increase the premium unless you are having them regularly. I had 1 2 years a go and made no difference, additionally I am an insurance broker who insurers cars and houses.

Interesting because both myself and my other half have had no fault claims and our premiums increased. I also worked for an insurance company.

 

[Canfordhacker]

Why on earth would you pay for insurance and then not use their expertise to remove all hassle and worry when an accident happens?

 

[Reemul]

Interesting because both myself and my other half have had no fault claims and our premiums increased. I also worked for an insurance company.

No likely your premiums increased anyways, premiums always increase, plenty of current renewals I am doing are showing 20% + increases and market checks find nothing more competitive. A no fault claim should not in general increase your premium, it does not mean your premium will not increase though.

 

[3 jabber]

No likely your premiums increased anyways, premiums always increase, plenty of current renewals I am doing are showing 20% + increases and market checks find nothing more competitive. A no fault claim should not in general increase your premium, it does not mean your premium will not increase though.

I know what you're saying but when I queried the increase it partly inflation but also because I was now loaded as a higher risk driver.