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Motor insurance

  • 14-12-2016 7:14pm
    #1
    hillbloom
    Registered Users, Registered Users 2 Posts: 852 ✭✭✭


    I was involved in an accident this evening. A driver just came out in front of me. He hit the two doors on drivers side. He accepted responsibility. I am wondering should I report this incident to my Insurance company. Will they put it on their file that I had an accident & thus increase my premium. Or will I just do nothing!!


Comments

  • #2
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    hillbloom wrote: »
    I was involved in an accident this evening. A driver just came out in front of me. He hit the two doors on drivers side. He accepted responsibility. I am wondering should I report this incident to my Insurance company. Will they put it on their file that I had an accident & thus increase my premium. Or will I just do nothing!!

    Report it. 2 reasons ;

    1. It is a condition of your contract of insurance that you do so.
    2. It is a legal requirement under Road Traffic Act 1961 (S. 71) to do so.

    I am not an underwriter so I don't really know the second answer about premiums. Theoretically, they might load a policyholder who has a high frequency of accidents as an underwriting measure. Generally, these days, you would not be sure what they might do ! However, be certain about having to report the accident.


  • #3
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    Another reason to report it is if the other driver suddenly changes his story and tries to blame you for the accident.


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