At fault accident.

[dand951]

Hi, I recently got into an at fault accident in which my bumper was torn off and air con grill dented, I have accepted liability for it and would like to get the repairs done through my friend who is a mechanic so it will be cheap, I am not making a claim, if the person I hit makes a claim against me(positive he will) will I have to upgrade my car as a cat c/d?
My insurers are aware I was in an accident as I told them after it happened so will I need to tell them I am getting the car repaired?
Same with dvla will I have to notify them?

Thanks.

[SteBrown91]

you aren’t making a claim so your car will not be assessed in any way.

I did similar a few ears ago. Reversed into someone and cracked their bumper but 90% of the damage on my car polished out. They claimed but because I didn’t it didn’t cost me anything other than my pride and my no claims

[anonymous-user]

Why aren't you making a claim on your insurance? Do you have a large excess to pay?

You don't need to notify your insurers of the repair if you're not going through them.

DVLA won't care, because the car won't have been written off, only your insurers can do that.

[catman]

What do you intend to do when the third party claims against you? Are you going to pay for their repairs too? If so, you may need to think about the cost if they put in a claim for injury or a hire car.

Tim

[48k]

charltjr said:

You don't need to notify your insurers of the repair if you're not going through them.

Pass the popcorn

[catman]

I couldn't be bothered!..

[anonymous-user]

48k said:

charltjr said:

You don't need to notify your insurers of the repair if you're not going through them.

Pass the popcorn

The OP has already informed them of the accident, it says so in their post. This is a separate question around informing them about the car being repaired. The insurer won’t give a monkeys if the car is repaired or not if there is no claim.

[KungFuPanda]

catman said:

What do you intend to do when the third party claims against you? Are you going to pay for their repairs too? If so, you may need to think about the cost if they put in a claim for injury or a hire car.

Tim

He's already told his own insurer that he was involved in an at fault accident. As an when the third party present a claim, the insurer will deal with it.

The OP is asking about HIS OWN damage and repairs.

[BertBert]

As you have told your ins co about the prang, I'd say there's no harm in confirming to them that the car has been repaired (when it has). Then if they have any questions about it, value etc, then they can ask them.

I can't see any possibility of it getting a Cat rating, and certainly no need to tell DVLA.

Bert

[48k]

charltjr said:

48k said:

charltjr said:

You don't need to notify your insurers of the repair if you're not going through them.

Pass the popcorn

The OP has already informed them of the accident, it says so in their post. This is a separate question around informing them about the car being repaired. The insurer won’t give a monkeys if the car is repaired or not if there is no claim.

It is a separate question you are quite correct. And some may argue that the insurer should be informed the car has been repaired as it affects the value of the vehicle and if it were to be involved in another accident the insurer might pay out less because the car was already damaged pre-accident if they weren't aware that it had been repaired.

[macushla]

48k said:

It is a separate question you are quite correct. And some may argue that the insurer should be informed the car has been repaired as it affects the value of the vehicle and if it were to be involved in another accident the insurer might pay out less because the car was already damaged pre-accident if they weren't aware that it had been repaired.

If the car has been repaired to a high standard using new parts then how is the value adversely affected?

If I take my car if for a service and have new brake pads, discs and loads of other new parts fitted is my car now worth less?

Edited to sort out spelling.

Edited by macushla on Sunday 17th February 19:39

[KungFuPanda]

Quite right. I’ve pranged my car against inanimate objects before and paid for my car to be repaired. Never once thought to inform my insurer. I highly doubt there is a duty to unless it has been formally categorised.

[Centurion07]

macushla said:

48k said:

It is a separate question you are quite correct. And some may argue that the insurer should be informed the car has been repaired as it affects the value of the vehicle and if it were to be involved in another accident the insurer might pay out less because the car was already damaged pre-accident if they weren't aware that it had been repaired.

If the car has been repaired t a ugh standard using new parts then ow is the value adversely affected?

If I take my car if for a service and have new brake pads, discs and loads of other new parts fitted is my car now worth less?

He didn't read the OP properly, posted a comment which showed as much, and is now trying to backtrack.

[Graveworm]

KungFuPanda said:

Quite right. I’ve pranged my car against inanimate objects before and paid for my car to be repaired. Never once thought to inform my insurer. I highly doubt there is a duty to unless it has been formally categorised.

Well until they ask you have you or any named driver had any accidents in the last X years?

[Centurion07]

Graveworm said:

KungFuPanda said:

Quite right. I’ve pranged my car against inanimate objects before and paid for my car to be repaired. Never once thought to inform my insurer. I highly doubt there is a duty to unless it has been formally categorised.

Well until they ask you have you or any named driver had any accidents in the last X years?

Without any insurance payout or a third party involved, how are they going to know you bumped into the end of your garage and paid for the repair out of your own pocket?

[KungFuPanda]

Graveworm said:

KungFuPanda said:

Quite right. I’ve pranged my car against inanimate objects before and paid for my car to be repaired. Never once thought to inform my insurer. I highly doubt there is a duty to unless it has been formally categorised.

Well until they ask you have you or any named driver had any accidents in the last X years?

In the event that I've answered no, the gatepost ain't going to grass me up.

[48k]

Centurion07 said:

macushla said:

48k said:

It is a separate question you are quite correct. And some may argue that the insurer should be informed the car has been repaired as it affects the value of the vehicle and if it were to be involved in another accident the insurer might pay out less because the car was already damaged pre-accident if they weren't aware that it had been repaired.

If the car has been repaired t a ugh standard using new parts then ow is the value adversely affected?

If I take my car if for a service and have new brake pads, discs and loads of other new parts fitted is my car now worth less?

He didn't read the OP properly, posted a comment which showed as much, and is now trying to backtrack.

Not backtracking at all, just pointing out that all of these "should I inform my insurance company about X" threads always seem to degenerate in to petty bickering and self righteousness. Some people seem to think you have to inform your insurer about every little thing, others don't, but these kind of threads always seem to attract a certain type of PH'er.

[macushla]

48k said:

Not backtracking at all, just pointing out that all of these "should I inform my insurance company about X" threads always seem to degenerate in to petty bickering and self righteousness. Some people seem to think you have to inform your insurer about every little thing, others don't, but these kind of threads always seem to attract a certain type of PH'er.

You didn’t answer my question though. How does a quality repair adversely affect the value of a car?

[Graveworm]

KungFuPanda said:

Graveworm said:

KungFuPanda said:

Quite right. I’ve pranged my car against inanimate objects before and paid for my car to be repaired. Never once thought to inform my insurer. I highly doubt there is a duty to unless it has been formally categorised.

Well until they ask you have you or any named driver had any accidents in the last X years?

In the event that I've answered no, the gatepost ain't going to grass me up.

A duty to do something doesn't go away because you won't get caught and the measure of honesty is not will they find out if I am lying.

[48k]

macushla said:

48k said:

Not backtracking at all, just pointing out that all of these "should I inform my insurance company about X" threads always seem to degenerate in to petty bickering and self righteousness. Some people seem to think you have to inform your insurer about every little thing, others don't, but these kind of threads always seem to attract a certain type of PH'er.

You didn’t answer my question though. How does a quality repair adversely affect the value of a car?

Personally, I don't think it does. But I've been on here long enough to have read that some people do, and they say that you should inform your insurance company about everything. Which was the point I was making (obviously badly). Hence the popcorn comment.