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    advise needed

    if you are involved in a minor car accident (eg reversed into a car and caused small amout of damage) but no damage to your own car do you still need to report it to your insurance?

    I dont know yet if they are going to go thru insurance so would it count against me if i informed them and then no claim was made by other party?

    thanks in advance!

    16 Comments

    You are supposed to report any incident, whether either party is claiming or even if not your fault.

    It will go against you renewal price-wise but if the 3rd party does decide to claim, then the fact that you haven't reported the incident will go against you, especially if the 3rd party try to exaggerate the claim or something

    HTH

    Original Poster

    starsparkle2311;4880109

    did you reverse into a car then, and was the damage really SMALL?Yes you … did you reverse into a car then, and was the damage really SMALL?Yes you should report it



    yep knocked front bumper off

    but firstly they was parked blocking driveway, secondly i literally just nudged it and whole damn thing fell off so possibly already broken? thirdly my car dont even have a scrape or scratch nothing thats how lightly i nudged it!!

    deny it

    Surely you're looking for adviCe?

    onlyme23;4880160

    yep knocked front bumper offbut firstly they was parked blocking … yep knocked front bumper offbut firstly they was parked blocking driveway, secondly i literally just nudged it and whole damn thing fell off so possibly already broken? thirdly my car dont even have a scrape or scratch nothing thats how lightly i nudged it!!



    The thing is though is that the front of cars seem to go so easily.

    I touched the car in front of me in traffic years ago in my 206 and the other car had no damage whatsoever, nothing - my car however the front bumper was damaged and the bonnet bent upwards :w00t:

    offer to pay the repair costs if the cost is small, they can get a quote from a garage. This is what I did when someone hit my car,no insurance companies were involved.

    starsparkle2311;4880200

    no need to nit-pick Grexy babes



    Between that and people that can't fathom the difference between bought and brought....



    grrrrrrrrrr :x

    we were in a tiny accident just recently, our brakes suddenly didnt work due to wet weather and the car skidded over the puddles and was stopped by the back of a large white van in front of us.

    we both got out and chatted, he had a ding on his car the size of a ten pence piece maybe, so he took our details and we didnt hear from him again.

    Our car was damaged, the crash bar was severed and the bumper damaged. Cost about 800 to fix.

    We have fully comp insurance but many years of no claims so we didnt mention it. We would have done if the other driver had wanted to.

    You should be reporting everything, but common sense should tell you what will cost you more.

    starsparkle2311;4880268

    Is this the sort of thing that keeps you awake at night?loooooooooooool



    Nah, I have dreams about murdering crappy "comedy" film/tv actors instead.


    mmmmmmmmm, blood.

    starsparkle2311;4880326

    lol, I shan't biteHow are you tonight anyway? I hope you are well, and … lol, I shan't biteHow are you tonight anyway? I hope you are well, and yes I do mean that before you start



    The misc needs a SS thread methinks!!

    :-D

    I am getting ready for an evening of debauchery, just need someone to be debauched with :-D

    (and I heard you did bite....)

    grex9101;4880355

    The misc needs a SS thread methinks!!:-DI am getting ready for an evening … The misc needs a SS thread methinks!!:-DI am getting ready for an evening of debauchery, just need someone to be debauched with :-D(and I heard you did bite....)



    starsparkle2311;4880377

    hahaha - I missed the bit in brackets



    That's what they all say........

    You should report it but if you do decide to settle with cash make sure you get them to sign the settlement receipt with full and final settlement on it...:thumbsup:

    Original Poster

    flowers172;4880197

    offer to pay the repair costs if the cost is small, they can get a quote … offer to pay the repair costs if the cost is small, they can get a quote from a garage. This is what I did when someone hit my car,no insurance companies were involved.



    i did that but im bein played games with so that option is out i aint a soft touch lol

    Original Poster

    ok i reported it to my insurance company thanks for all the adviCe! (happy greg?)

    onlyme23;4880945

    ok i reported it to my insurance company thanks for all the adviCe! … ok i reported it to my insurance company thanks for all the adviCe! (happy greg?)



    lol, who's greg?

    :?

    Original Poster

    grex9101;4881142

    lol, who's greg?:?



    ahh crap lmao

    i couldnt be bothered to go back a page to check name so i tried to remember it :oops:

    ok ok i admit it i got my stupid head on tonight ill just umm crawl away to some corner or something :oops:
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