Insurance Declaration

[cologne2792]

I had someone run into my vehicle whilst I was stationary.
Damage to my vehicle was minimal due to a towbar.
The offending vehicle was written off.

The driver admitted liability to his insurance company and they have been extremely good about sorting it out.
They've offered settlement and paid for my Physiotherapy due to the whiplash and other bodily damage I received.
No issue with them at all and I wish all such incidents could be handled as efficiently.

I spoke to their claims handler about how this no-fault claim would affect the renewal costs of my own insurance.

He said there was no need to tell my insurance company as I hadn't made a claim.
They would not pass on the information to my insurance company who would therefore never know.
Simply put, an incident occurred, their client was in the wrong and they made restitution.
Claim closed.

Now, I am of the belief of total honesty when dealing with insurance companies and my automatic instinct would be to tell them exactly what happened,

So my question is, does this sound legit to you?

[fourstardan]

There is a database where this claim will get raised (https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue-miaftr/)

However, it would (I think) not have you as a claimant against a policy.

[Sebring440]

As gets mentioned every week when this question is asked, the insurance company tends to ask the question:

"Have you been involved in an accident......"

not, have you "claimed".

[anonymous-user]

I suspect the question will be 'have you been involved in any accidents or claims in the last five years' to which the honest answer will, unfortunately, be yes.

You can only answer the specific question you are being asked, until then, who knows.

[syl]

And if the vehicle had been parked and unoccupied?

You haven’t claimed. You haven’t been involved in an accident (the car has, you haven’t).

There not much difference between parked and stationary - were you involved? You can certainly argue you weren’t, but the car was. Now if they ask if the car has been involved in an accident then it’s a definite yes.

[vonhosen]

Just tell them what happened, rather than trying to find tenuous ways not to.

Your vehicle was hit & your claim (from the 3rd parties insurer) was met in full.

[cologne2792]

Thank you all.

Yes, that was my thinking too.

Although the question I'm usually asked is, " Any claims or convictions? "

From the statement of the claims handler, it would appear that they wouldn't consider this a claim on my behalf.

I think I'm still going with complete honesty and disclosure though.

[Cold]

cologne2792 said:

Thank you all.

Yes, that was my thinking too.

Although the question I'm usually asked is, " Any claims or convictions? "

From the statement of the claims handler, it would appear that they wouldn't consider this a claim on my behalf.

I think I'm still going with complete honesty and disclosure though.

Yes, from your first post:

cologne2792 said:

They've offered settlement and paid for my Physiotherapy due to the whiplash and other bodily damage I received.

I spoke to their claims handler about how this no-fault claim would affect the renewal costs of my own insurance

[2 sMoKiN bArReLs]

My girlfriend was sat minding her own business at a roundabout. Third party drives into the back of her, 100% at fault.

Said girlfriend is on my policies. Notified all four. Three said thanks for telling, one added £50 to the premium.

Not dissimilar to OP position, even one further removed!

[cologne2792]

2 sMoKiN bArReLs said:

My girlfriend was sat minding her own business at a roundabout. Third party drives into the back of her, 100% at fault.

Said girlfriend is on my policies. Notified all four. Three said thanks for telling, one added £50 to the premium.

Not dissimilar to OP position, even one further removed!

Insurance Companies are a weird and unpredictable breed,

It's either,

" The worst thing we've ever heard! Your premiums will rise by £5 million "

or

" Nah, It'll be fine. "

It's a shame there isn't some parity.

[2 sMoKiN bArReLs]

cologne2792 said:

2 sMoKiN bArReLs said:

My girlfriend was sat minding her own business at a roundabout. Third party drives into the back of her, 100% at fault.

Said girlfriend is on my policies. Notified all four. Three said thanks for telling, one added £50 to the premium.

Not dissimilar to OP position, even one further removed!

Insurance Companies are a weird and unpredictable breed,

It's either,

" The worst thing we've ever heard! Your premiums will rise by £5 million "

or

" Nah, It'll be fine. "

It's a shame there isn't some parity.

The most important thing is don't give the slippery devils any excuse to wriggle out of a claim.

[TwigtheWonderkid]

syl said:

And if the vehicle had been parked and unoccupied?

You haven’t claimed. You haven’t been involved in an accident (the car has, you haven’t).

I'd say you have been involved in an accident. The accident happened, and you were involved, in claiming against the other party. That's involvement. Plus they usually ask about accidents, claims of losses. You've certainly had a loss, which was rectified by the other party.

[PisstNBroke]

You'll be asked what costs if any have occurred due to this incident. So that's car repairs and personal injury, physio etc

[wwpaddler]

As ever when dealing with insurance company (or any large company) employees what you're told can be highly variable from employee to employee depending on their knowledge, training and experience and not always correct.

Also be aware that training for claims handlers is much shorter than for an underwriter (the people asking about your previous claims, incidents and convictions) and salaries are also lower for claims handlers compared to underwriters.

[jondude]

I would admit to the accident and leave it at that. But only offer information they request, no need to give all details.

I must admit I have changed my mind a bit about their 'punishments' for no fault claims. (Upping your premium) Was shunted from behind at a roundabout give way line, no big accident or repair ...but for ages afterwards I found myself gunning for smaller gaps as I wanted outta there. If I moved forward but then stopped as someone came flying around, I'd brace myself for another shunt.

So yes, I was a bigger risk. Decent chance with you being injured that you react the same way when the scene is repeated.

[normalbloke]

syl said:

And if the vehicle had been parked and unoccupied?

You haven’t claimed. You haven’t been involved in an accident (the car has, you haven’t).

There not much difference between parked and stationary - were you involved? You can certainly argue you weren’t, but the car was. Now if they ask if the car has been involved in an accident then it’s a definite yes.

And we have the winner of the most ridiculous response to the OPs question.

[Sheepshanks]

cologne2792 said:

I

I spoke to their claims handler about how this no-fault claim would affect the renewal costs of my own insurance.

He said there was no need to tell my insurance company as I hadn't made a claim.

As you were dealing with a claims handler then it's pretty hard to argue that you weren't making a claim.

The "have you made any claims etc..." question isn't specific to your own policy.

[2 sMoKiN bArReLs]

normalbloke said:

syl said:

And if the vehicle had been parked and unoccupied?

You haven’t claimed. You haven’t been involved in an accident (the car has, you haven’t).

There not much difference between parked and stationary - were you involved? You can certainly argue you weren’t, but the car was. Now if they ask if the car has been involved in an accident then it’s a definite yes.

And we have the winner of the most ridiculous response to the OPs question.

Somebody has been sniffing something I suspect

[majordad]

The logic behind them upping your premium is that having been involved in an accident it seems that statistics show that now you are more likely to be a higher risk.

[BertBert]

majordad said:

The logic behind them upping your premium is that having been involved in an accident it seems that statistics show that now you are a higher risk.

FTFY. Pistonheads, pedantry matters