Now what is the situation regarding my own car insurance when I come to renew it. Do I have to inform them I was in an accident even though it did not involve them? Any advice appreciated
insurance question
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I was driving a works van recently when I ran into the back of a car at a junction, the driver had stopped then driven off and I followed him. Unfortunately he stalled his engine, stopped, and I went into him. Dented his car and the van. No police involvement but the guy claimed against my works insurance. Boss not to happy but there you go.
Now what is the situation regarding my own car insurance when I come to renew it. Do I have to inform them I was in an accident even though it did not involve them? Any advice appreciated -
6 Replies
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Yep, fraid so. However, they shouldn't penalise you if it's your only accident and they won't reduce your no claim bonus as the claim was not against them.
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But don't bet on it!
Friend following visitor (British) in works van. Visitor well on our only roundabout - as was friend - when visitors' vehicle stops dead; large map clearly visible after low speed impact; friend hits visitors' vehicle up rear. All reported to insurance cos - friend now insuring personally (has had comp and NCB for years) and they already know about this and are clobbering him. -
thanks for your comments. my insurance is due for renewal next month and I will post back the outcome
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Danny, That would be helpful! My friend has spent about three days phoning round and has found an insurance company who has been reasonable. He tells me his problem was that both his car and the works' vehicle were insured by different divisions but same company (a very large one)! He's waiting (if it's like my experience of this firm, he'll wait forever!) for response from them!
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How did it work out in the end? Have they settled the matter? Although it was only 14 years ago so possibly still ongoing. -
the proper thing to do is allow your insurance to cover the cost of the car, not the repair costs but what the car is worth. at this point you need to do nothing. This is no longer your responsibility, if he is upset that the insurance company is only giving him 3k that is between him and the insurance company.