-Bradders- Posted April 17, 2016 Share Posted April 17, 2016 (edited) So yesterday a friend of mine... lol was down near worthing (collecting wheels from mouthwash) on our way down towards hastings, they had a small crash, no one hurt was travelling about 10mph torrential rain hail stones everything. Realised wrong lane leading up to roundabout looked in the mirror a BMW came flying up so they couldn't move over, looked ahead boom. Car in front was standstill they hit the brakes hard, locked up and slid into the back of a Citroen. First things first they get out and say they so sorry, woman in the passenger seat (drivers mum) shouts you bloody will be! The chap driving was worried about them more than himself he was a nice lad anyway they then shat their pants after seeing a small child in the back however everyone was fine and dandy the fiesta (their daily) took a bit of a knock to the bonnet and number plate was cracked and his rear bumper had a scuff and was a bit wonky. Anyway to get to what I was wondering. In the hurry of things causing traffic standing in the downpour etc.. they didn't get any pictures all they got was all his mums (passenger) name and address phone number etc.. It was her car however she wasn't driving! they should have got his details no? they've not been in a crash for over 7 years! Even then it wasn't their fault. They've asked her if they could settle out of insurance and said they would pay but not had a response. Edited April 18, 2016 by -Bradders- Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 17, 2016 Share Posted April 17, 2016 Glad you're okay matey, that's the main thing. As a minimum you should always get the driver name and the car reg. Any photos? Did they get your details? Best (and correct) thing to do is to ring your insurer and give them the details, let them deal with it. Depending on the damage they've got, which you may not be able to see fully, it's very likely it'll cost you far less in the long run to go via insurance, plus if they start claiming whiplash then you're covered. You know I've just been there with a crash, honest mate it's really just easier to let them handle it even if you don't claim for your own repairs. 1 Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 17, 2016 Author Share Posted April 17, 2016 Sod that she replied lol said shell go to a garage and see what the damage costs I have no pictures at all. Or the reg :/ stupid I know. I have message from her now saying no one is injured and everyone is fine though. Won't tell insurance yet as even if you don't make a claim it affects yours policy from what I've heard! Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 17, 2016 Author Share Posted April 17, 2016 And my repairs are already fixed lol. Bonnet from scrappy was £30 and new plate tenner Quote Link to comment Share on other sites More sharing options...
Stutopia Posted April 17, 2016 Share Posted April 17, 2016 Keep that text! 1 Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 17, 2016 Share Posted April 17, 2016 Indeed, although it won't stop her claiming a few weeks down the line regardless. Which, in fairness, she's completely entitled to do since it was Bradders' fault I'd still tell your insurer. That's exactly what you pay them for, and if there's no claim from her then you're very unlikely to see any kind of noticeable increase in premium because of it. Quote Link to comment Share on other sites More sharing options...
Deano94 Posted April 17, 2016 Share Posted April 17, 2016 Not really related but, can you make insurers aware you've been in an accident but both parties are dealing with it privately? Sent from my E6653 using Tapatalk Quote Link to comment Share on other sites More sharing options...
Grundy Posted April 17, 2016 Share Posted April 17, 2016 (edited) Not really related but, can you make insurers aware you've been in an accident but both parties are dealing with it privately? Sent from my E6653 using Tapatalk Counts as an accident and stays on your record for 3-5 years. Adds and Extra £300 a year on my policy. So ****ing stupid. Wish I never told them. Edited April 17, 2016 by Grundy@TeamTarmac 3 Quote Link to comment Share on other sites More sharing options...
Deano94 Posted April 17, 2016 Share Posted April 17, 2016 Not really related but, can you make insurers aware you've been in an accident but both parties are dealing with it privately? Sent from my E6653 using Tapatalk Counts as an accident and stays on your record for 3-5 years. Adds and Extra £300 a year on my policy. So ****ing stupid. Wish I never told them. Cheers, good to know. Sent from my E6653 using Tapatalk Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 17, 2016 Share Posted April 17, 2016 You have to tell them, it's a material fact. My crash back in '13 adds nothing to my premium. Quote Link to comment Share on other sites More sharing options...
Stutopia Posted April 17, 2016 Share Posted April 17, 2016 Indeed, although it won't stop her claiming a few weeks down the line regardless. No it doesn't but it'd be hard to go whiplash for a few extra grand! Quote Link to comment Share on other sites More sharing options...
leonk Posted April 17, 2016 Share Posted April 17, 2016 According to this a non fault accident can increase your premium by up to 30%? http://www.theguardian.com/money/2014/apr/16/no-fault-claims-car-insurance-aa 1 Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 17, 2016 Share Posted April 17, 2016 It can, or it can be 0%. Totally depends on insurer. If they're no good, just go elsewhere. Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 17, 2016 Author Share Posted April 17, 2016 She is getting quotes tomorrow on repairs so hopefully dead with it privately thanks for advice Quote Link to comment Share on other sites More sharing options...
Sargara Posted April 17, 2016 Share Posted April 17, 2016 (edited) As your the "at fault" party Bradders I'd tell your insurance company. Theres nothing to stop her from claiming later on even after you settle it privately between you as its not legally binding. All it takes is one of her friends explaining how they got £2k for something back in 2013 etc. If it was the other way around then yeah there's benefits to keeping quiet (you know you aren't going to claim whiplash 2yrs down the line for example) but given the fact the mum comes over as a gobby cow, and there's potentially a child involved too then there is potential here for it get very ambulance chaser all of a sudden. The only saving grace might be that the person driving wasn't declared as a driver but even at best thats just a technicality but might make them think twice about claiming. Good luck either way! Edited April 17, 2016 by Sargara 1 Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 17, 2016 Share Posted April 17, 2016 That's was my thinking too. I really would report this mate, it could save you so much ballache in the future. Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 18, 2016 Author Share Posted April 18, 2016 I'll see, She's going to call me today to discuss, i will mention to her that if she goes through insurance it will have to go through her son's as he was the driver of the vehicle. If she gets ratty then i will just phone my insurance. Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 18, 2016 Share Posted April 18, 2016 It will still go through her insurance, he will just be on it as a named driver. If he's not then he was driving illegally, and I'd make a point of saying that's probably not a good thing if it gets out... Quote Link to comment Share on other sites More sharing options...
GT Driver Posted April 18, 2016 Share Posted April 18, 2016 According to this a non fault accident can increase your premium by up to 30%? http://www.theguardi...ar-insurance-aa I'm not sure about insurers in the UK - but on renewal here in Ire, the insurance company will ask you something to the effect of "have you been in any accidents in the last 5 years whether your fault or not" So you're kinda snookered into telling them. Glad to hear all is ok Bradders. Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 18, 2016 Share Posted April 18, 2016 Exactly. If you say no then you've lied and you're in all kinds of trouble if you then have a proper accident and they start investigating. Like, y'know, searching the internet for stuff you've written about having a crash Quote Link to comment Share on other sites More sharing options...
RickyZ Posted April 18, 2016 Share Posted April 18, 2016 Hope you get it all sorted but you should probably delete this public thread about you intending to defraud your insurer by not telling them though.. Like Ekona says there's nothing to stop them claiming for whiplash and even the repairs after you've already sent them money. They may be kind, honest people but then they may not... 1 Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 18, 2016 Author Share Posted April 18, 2016 Didnt think it was illegal to do it privately? can mods delete the thread ?? Quote Link to comment Share on other sites More sharing options...
Ekona Posted April 18, 2016 Share Posted April 18, 2016 It's not illegal, you just have to declare to your insurance that you've had an accident when they ask. Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 18, 2016 Author Share Posted April 18, 2016 It's not illegal, you just have to declare to your insurance that you've had an accident when they ask. but does it still count if its unrecorded lol? Quote Link to comment Share on other sites More sharing options...
-Bradders- Posted April 18, 2016 Author Share Posted April 18, 2016 edited the first post Quote Link to comment Share on other sites More sharing options...
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