Rear ended in the USA, do I tell my UK insurers?
Discussion
Had a lovely day up in Marion county me and the Mrs were waiting at lights in Leesburg on the return to the Davenport area where we are on vacation. Roof down on the 2014 convertible Camaro and a glorious afternoon helped to make it a perfect run out....until we were shunted from behind by a vet ( ex soldier, not animal doctor) driving an ancient Buick Century. clearly his fault, he put his hands up immediately, cops arrived and charged him with careless driving....job done apart from sorting it out with the rental company, little damage to the Camaro ( bumper skin dislodged and lost a few clips and some deep scratches) and nobody hurt.Question is do I inform my insurers when I return to the UK?, I do not think I would be required by law but insurance T&C's might say otherwise, anybody know???
Anyone from insurance world want to comment on this?
As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
McWigglebum4th said:
Anyone from insurance world want to comment on this?
As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
Would you tell them if you had a crash gokarting?As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
jon- said:
McWigglebum4th said:
Anyone from insurance world want to comment on this?
As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
Would you tell them if you had a crash gokarting?As i did a large amount of damage to a landrover a few years back when i rolled into a tree and stuffed the back end in which needed the back 2 foot of the chassis being replaced.
The offical insurance line is any accidents in the past 5 years
At no point do they ask any accidents on UK public roads in the past 5 years while driving a road registered and insured vechile.
Shortening a landrover by a foot is certainly an accident.
Yes the landrover in question isn't road registered and wasn't insured and it happened offroad but still an accident
However
Its still an accident
Should should you legally be telling them?
As the question is "Any accidents in the past 5 years"
Garagedood, why are you posting this question?
I know little about the internet but simply googling your name tells me quite a lot about who you potentially are and what your address is.
So, if you are 57 years old I would suggest that a spotty teenage oik employed by an insurance company to google at renewal time would potentially put two and two together.
I know little about the internet but simply googling your name tells me quite a lot about who you potentially are and what your address is.
So, if you are 57 years old I would suggest that a spotty teenage oik employed by an insurance company to google at renewal time would potentially put two and two together.
jon- said:
Would you tell them if you had a crash gokarting?
The problem is they set you up for failure. It's such an open ended question they could mean anything.I accidentally put a scratch on my car whilst washing it. Thats just as relevant as an 'proper accident' as I could have claimed on my fully comp policy.
I was thinking of starting a thread re insurance questions and trying to get an explanation of each. I think I will.
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