Insurance - is this collision now "on record"?
Discussion
Hi.
Someone reversed into me whilst I was stationary. (Bizarre story really. They were engaging in a road rage incident with a pedestrian at the time.)
- My bumper is a bit scuffed. Their car is undamaged.
- They have taken full responsibility.
- They have reported the incident to their insurer, including my name and possibly registration plate.
- I am not planning to make any claim in relation to this, and neither are they.
From a pragmatic (rather than contractual) point of view, should I declare this incident to my insurer now, and for the next 5 years at renewal?
For clarity, if they hadn't already given the game away by reporting this, I wouldn't even be considering it.
Is this now on a database somewhere and will come back to bite if I don't declare it and then need to make an actual claim in the future?
Thanks.
Someone reversed into me whilst I was stationary. (Bizarre story really. They were engaging in a road rage incident with a pedestrian at the time.)
- My bumper is a bit scuffed. Their car is undamaged.
- They have taken full responsibility.
- They have reported the incident to their insurer, including my name and possibly registration plate.
- I am not planning to make any claim in relation to this, and neither are they.
From a pragmatic (rather than contractual) point of view, should I declare this incident to my insurer now, and for the next 5 years at renewal?
For clarity, if they hadn't already given the game away by reporting this, I wouldn't even be considering it.
Is this now on a database somewhere and will come back to bite if I don't declare it and then need to make an actual claim in the future?
Thanks.
TwigtheWonderkid said:
I think this needs to read "might not change anything", or even "probably won't change anything". But you can't say it won't change anything, because some insurers do charge extra for a non fault no cost incident.
Hi Twig. Appreciate the above.Do you happen to have any insight on the "is this now on the database" question?
Thanks.
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