Posted 23 January 2024

Car accident question / help

I was involved in a car accident today .
I was rear ended,
I was stopped in traffic and the guy from behind slammed into me.
He didn’t have his drivers license on him or insurance information but had a school/ staff badge . That matched with the details he was giving to me.
My questions are
Do i need to contact my insurance company, or does the main policy holder( which is my wife)

Is it normal / ok not to have drivers license or insurance information on you .

I also took pictures and made videos of the incident.
Thanks for your help guys I appreciate it
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  1. brooklynsindahouse's avatar
    Author
    I have my own vehicle, and i am the policyholder. And my wife is the named driver.

    The car i got rear ended in is my wife’s as main policy holder and i am
    Named driver. . She has 8 years no claims bonus, will this affect her insurance.

    Also would it make a difference if I filed through my insurance as i only have 1 years no claim bonus. As my policy says i am able to drive other vehicles
    ebble's avatar
    The policyholder's insurance could be affected. So could yours.

    At the inception of a policy or renewal insurers ask if you have been involved in any accidents over the past 5 years, regardless of whether a claim was made or who was to blame. All data can affect premiums, even being a blameless party.

    If an accident has been reported by either driver your name could end up on various databases so people have to be truthful.

    The only way an accident definitely won't affect anyone's insurance is if nobody reports it to any insurance company. This is sometimes the case with minor bumps where people agree to settle without involving insurers.
  2. mutley1's avatar
    the person who owns the car needs to make the claim, so your wife. There has been lots of discussions about NCD not being affected if it isn't your fault, but this doesn't mean that your renewal premium doesn't go up, which it is likely to do even if your NCD is not affected.

    there is no legal requirement to carry insurance details or ID, so as long as the person provides this later that is fine. (edited)
    brooklynsindahouse's avatar
    Author
    Thanks for clarifying
    Appreciate it
  3. h.s's avatar
    i don't think its a legal requirement to carry the license.

    You've got pictures of ID, which match the details given, pass this on to your policy holder.

    As your a named driver, i'm sure you should be able to inform them. However, all paperwork will be directed to her (i'm assuming here)
  4. adam.mt's avatar
    If you wish to claim, then yes, contact your insurance. I take it you're an approved driver on the policy, so you should be fine to do so.

    Having driving licence and insurance details to hand isn't compulsory.
  5. AMaky's avatar
    It was an incident, not accident.

    Yes it is normal not to carry license or know your insurers.

    Contact your insurance ASAP! Presumably you took photos and car reg etc etc. Your insurance will guide you through the process.
    If you are in pain, see gp and insurance will provide physio for you.
    brooklynsindahouse's avatar
    Author
    Awesome appreciate your help
  6. aLV426's avatar
    In the UK you do not need to carry your driving licence with you, but it is strongly recommended. The Police are entitled to ask to see your licence at any time and if you do not have it immediately, you will be ordered to produce it to a Police Station within 7 days.
    Insurance details also do not need to be produced there & then.
    It is best to contact your insurance company - failure to do so may invalidate your cover!
    We got rear ended as well and it was all taken care of by the insurance company. They even gave us a cheque to offset the depreciation!
  7. madoka_ayukawa's avatar
    NCB will be affected, regardless of who's at fault. It's all algorithms now, so if you're involved in an incident/accident, the likelihood of another one is raised, apparently.
    .MUFC.'s avatar
    No claims discount will only be affected if the third party happens to be uninsured or the claimant found at fault. In this case it should be a simple not at fault claim. Premiums may still be affected but shouldn't lose any no claims.
  8. .MUFC.'s avatar
    So long as you have their registration details then you should be fine going via your insurance. However it's usually better to go via the third parties insurance. You still have to inform yours but it is often quicker going via the third parties. You can find out their insurance provider via Askmid for a fee. I'd recommend checking it's insured first though which you can also check via Askmid for free here

    If they're uninsured you'll have to go via yours. Also if you go via yours you may have to pay your excess. If you do then request to claim the excess back from the third parties insurance.
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