Car Insurance Question

3Quaere

I had the misfortune to tip the car in front of me in heavy traffic. There wasn't a scratch on the other car, no police were called and the other driver went off with details swapped. My query is, since I am on a learner permit (unaccompanied that day) and the other driver has subsequently contacted my insurance company..will I be covered?

djimi

You probably will be covered.

If there is no damage to the other car then why did they contact your insurance?

3Quaere

that is obviously my greatest concern. I had thought it was ok...and I can't find out anything further over the weekend. It's never happened to me before.

Can anybody tell me if they know of a similar scenario? Thank-you

cadaliac

Don't be afraid to call your insurance company and ask them. The cat is out of the bag - if the other party called your insurance company regardless so just ask them out straight.
It is a law that you are supposed to have a fully licensed driver. It is also a law that you not supposed to break the speed limit. That does not mean that the insurance company can back out on a policy if you had a claim and there was speed involved. The policy still stands.

djimi

Did you take pictures of both cars at the scene of the accident?

3Quaere

Thank-you, I really appreciate the advice. Will find out Mon...lesson learnt.

There was no speed involved, it was bumper-to-bumper traffic, and because there wasn't a scratch on the other car etc. I thought it wld be okay.

I tried taking pic after but was hampered by weather conditions.

My concern is 3rd party insurance, and causing problems for the policy holder.

djimi

The first thing Id do would be to find out what they are trying to claim for (assuming they are actually trying to claim). Ask your insurance company to arrange for an assessor to look at the car as you felt at the time there was no damage. Without pictures however this could be hard to prove, although you always have your own car as backup (if there is no damage to their car then it stands to reason there will be none to yours either).

When you say your concern is third party insurance, do you mean you were driving someones car on third party insurance at the time?

3Quaere

will do,thank-you, that's really helpful advice.

Yes, I was driving another person's car on 3rd party insurance.

djimi

As in you have your own policy and were driving someone elses car? You might want to check that you were actually covered as a lot of the time third party driving of another vehicle does not apply to learners permits.