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protected car insurance

vitertex Avatar
2y, 4m agoPosted 2 years, 4 months ago
knocked a guy off his pedal bike (3mph) edged out of a blind juction bent his pedal.guy did not seem hurt, bent his pedal a bit told him any problems to get in touch,surprise surprise 4weeks later claim company got,
in touch,just wondering how this will affect my insurance??? I have protected no claims insurance??
vitertex Avatar
2y, 4m agoPosted 2 years, 4 months ago
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Best Answer
I would suggest contacting your insurance company if you havent done so already and you will need to make a report to the Police too due to it being a Road Traffic Collision [the word accident is no longer used!] as it can be treated as an offense not to report it.

As for the cyclist Id say someone has prompted him to make a crash for cash claim with one of the ambulance chasing no win no fee brigade so leave it to your insurance company to deal with the problem,

Edited By: arachnoid on Jul 12, 2014 18:36

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#1
if you have protected no claims it shouldn't effect them, However i'd ask why he waited 4 weeks to report it to his insurance company?
#2
I would suggest contacting your insurance company if you havent done so already and you will need to make a report to the Police too due to it being a Road Traffic Collision [the word accident is no longer used!] as it can be treated as an offense not to report it.

As for the cyclist Id say someone has prompted him to make a crash for cash claim with one of the ambulance chasing no win no fee brigade so leave it to your insurance company to deal with the problem,

Edited By: arachnoid on Jul 12, 2014 18:36
#4
Remember that 3mph bump you gave that guy on the bike? The claim will go something like this:

I have life changing injuries, I can't work ever again, I am on morphine and I am scared to go outside incase there are more lunatic drivers like that person who nearly killed me. I will require £500,000 a year for life!
#5
arachnoid
I would suggest contacting your insurance company if you havent done so already and you will need to make a report to the Police too due to it being a Road Traffic Collision [the word accident is no longer used!] as it can be treated as an offense not to report it.

As for the cyclist Id say someone has prompted him to make a crash for cash claim with one of the ambulance chasing no win no fee brigade so leave it to your insurance company to deal with the problem,

Presumably both parties stopped and particulars were exchanged? No injuries. Slight damage to a pedal. The police won't be interested.
#6
It still needs logging to generate an incident number, it can usually be done over the phone.
#7
Well if someone knocked me off my bike i would want compensation.

Dont forget it is not his fault.
#8
Even with the no claims protection your premium will still go up.!!!.
#9
arachnoid
I would suggest contacting your insurance company if you havent done so already and you will need to make a report to the Police too due to it being a Road Traffic Collision [the word accident is no longer used!] as it can be treated as an offense not to report it.

we were told of an urban legend that a guy got done for an RTA. as part of his defence, he asked in court what that stood for, then proceeded to read out the definition of accident i.e. an incident where no one is at fault. they were then let off on that technicality.
everyone is pretty much in agreement that that never happened, and although RTC RTI and RTA are used interchangeably, you'll hear the word accident and term RTA used more than any of the others at the scene of an 'accident'
rather off-topic but i do like that little story!

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