Minor scrape - insurance claim?

[red_slr]

Mrs SLR driving to work today in the nearside lane and a car in lane 2 squeezed her over when moving over into her lane. Very minor contact caused scuff to bumper. Neither party stopped as it was not clear that there had been contact (mrs was sounding her horn at the point of contact). Luckily dash cam caught the incident and VRM of other vehicle.

Looking at the scuff its probably a smart repair but as the car is new it might be best to put into dealer to maintain the 10 year paint warranty.

However, if Mrs SLR goes to her insurance will this be a claim on her records? Given she has 18 years no claims (protected) is it worth it?

As the other party did not stop there is not really any other option its either pay for it ourselves or insurance.

[Retroman]

If you're going by the book, Mrs SLR would have reported the accident to the police within 24 hours in person and notified her insurance she was in a non fault accident.

If the other driver / their insurance admits liability then you have the choice of paying the excess on your own insurer and letting them deal with the claim and they should recover all losses from the third party, and you can claim your excess back from third party insurance as well.

Or, you can try claim from the third party insurance directly, no excess to pay and you can choose your repairer and should be able to get a hire car whilst it's being repaired

Either way Mrs SLR NCB should remain intact as it's a non fault accident but her insurance premium may rise regardless. It varies from insurer to insurer. Some raise premiums for non fault accidents and some don't

Edited by Retroman on Friday 21st April 20:30

[KungFuPanda]

As above, call it through on 101 and get it reported.

If it's recorded on the dash cam as non fault, personally, I'd do a MID check on the reg and contact the TP insurers directly. Get them to deal with the claim and notify your own insurers for information purposes only.