Should I notify my insurance?

delos

A guy reversed into the side of my stationary car today. There is a bit of a wide, shallow dent in the door and a deeper dent where his exhaust hit the car. We have exchanged details but the guy doesn't want to go through his insurance (fair enough, I just want the door fixed ). This is the first accident I've been involved in so I'm not sure if I should notify my insurance company about the accident. Any advice is welcome.

Thanks

Delos

stealthyspeeder

inform the guards that an accident has taken place (your not touting on them but if it turns out that they have no insurance, then your insurance will want this) Guarrds will take no action if he sorts it out for you

Tipsy Mac

Did you see his insurance disc and see that it was valid?

delos

Checked the insurance disc at the time of the bump and it was OK.
I'll inform the Guards about it and get a couple of quotes for the work.

Thanks for the advice

PeakOutput

your obliged to tell your insurance company of any accident your car is involved in

doing so will not have any affect whatsoever on your premium / no claims discount or anything like that assuming you are completely 100% in the right

delos

PeakOutput wrote: »

your obliged to tell your insurance company of any accident your car is involved in

doing so will not have any affect whatsoever on your premium / no claims discount or anything like that assuming you are completely 100% in the right

And how right you were...and how glad I was that I followed your advice.
It got messy in the end with him giving a different version of events to his insurance company along with a whole load of other messing. Thank goodness I had CCTV and the laws of physics on my side :eek:

I suppose the moral of the story is to do it by the book.

mikemac

Good for you.

Always report it to the insurance company and the local garda station.
Neither will take any action normally but best to have it logged. It only takes a few minutes and well worth it for peace of mind

So tell us his version of events, how did he claim your stationary car hit him?

delos

mikemac wrote: »

Good for you.
So tell us his version of events, how did he claim your stationary car hit him?

Even if my car was moving it would still have had to be moving sideways to hit him square with the passenger door. Unless I took the door off its hinges and bashed it into the back of his car....

I don't know what he told his insurance company, just the fact that it was a substantially different version of the events that I had given.

Anan1

delos wrote: »

I suppose the moral of the story is to do it by the book.

Always. It's sad, but never put your trust in a stranger.