So I came back to my car..........

[Hell27]

And there was a Golf on the front of it. Now then, the Golf in question appears to have been parked and for whatever reason rolled back into mine. The owner moved the car, and there appears to be no damage - the back of the golf appears to have been resting on the numberplate.

There are no scratches on mine, and all panel are fitting exactly as they should.
Should I contact my insurer and let them know - as I said, there appears to be no damage whatsoever, but should I get it inspected just in case?

[XitUp]

No.

[ridds]

If you want your premium to go up, yes.

If not, keep the details to hand and get a garage to check it over.

If issues are found then follow up.

Either way you will end up out of pocket I suspect.

[bazking69]

Unless you want a note against you and increased premiums as a result, I firmly recommend that you don't pick up the phone.

[thebigmacmoomin]

Why would you tell them that you didnt have an accident. There is no damage. As above, all they would do is increase your premiums. Dont understand why you would even consider telling them.

I had a van reverse into me in a petrol station once. There was no damage so we both went on our way with an apology from him to me.

Edited by thebigmacmoomin on Sunday 14th November 16:48

[Great Pretender]

Hell27 said:

And there was a Golf on the front of it. Now then, the Golf in question appears to have been parked and for whatever reason rolled back into mine. The owner moved the car, and there appears to be no damage - the back of the golf appears to have been resting on the numberplate.

There are no scratches on mine, and all panel are fitting exactly as they should.
Should I contact my insurer and let them know - as I said, there appears to be no damage whatsoever, but should I get it inspected just in case?

Would you like us to wipe your arse too?

[rallycross]

[quote=thebigmacmoomin]Why would you tell them that you didnt have an accident. There is no damage. As above, all they would do is increase your premiums. Dont understand why you would even consider telling them.

+1

why would you even feel the need to ask this question??

[R1 Loon]

Even more pertinent, why do think your insurers would be interested? They don't do their own inspections 99% of the time, these are carried out by the repair centre.

Just take it into a local dealer / garage and ask them to give it the once over.

Edited by R1 Loon on Sunday 14th November 17:36

[Hell27]

Great Pretender said:

Hell27 said:

And there was a Golf on the front of it. Now then, the Golf in question appears to have been parked and for whatever reason rolled back into mine. The owner moved the car, and there appears to be no damage - the back of the golf appears to have been resting on the numberplate.

There are no scratches on mine, and all panel are fitting exactly as they should.
Should I contact my insurer and let them know - as I said, there appears to be no damage whatsoever, but should I get it inspected just in case?

Would you like us to wipe your arse too?

How rude

[STW2010]

Hell27 said:

Great Pretender said:

Hell27 said:

And there was a Golf on the front of it. Now then, the Golf in question appears to have been parked and for whatever reason rolled back into mine. The owner moved the car, and there appears to be no damage - the back of the golf appears to have been resting on the numberplate.

There are no scratches on mine, and all panel are fitting exactly as they should.
Should I contact my insurer and let them know - as I said, there appears to be no damage whatsoever, but should I get it inspected just in case?

Would you like us to wipe your arse too?

How rude

Perhaps.

Now, the panels fit exactly as they should and there is no visible scratches/dents. The must have literally touched your car with no force whatsoever, and cars are not made of glass (well, the windows are...). What possible damage do you expect to find?

There is no damage. None. I understand that you would feel annoyed at this; I would too. But your car is fine, and there is absolutely nothing to be gained by telling your insurance company about this.

[00161wj]

This is why people are paying so much for insurance these days. The smallest of knocks and people are on the phone wanting to claim.

[busta]

I'd want a full engineers report, advising to pay special attention to the oil cooler pipe unions and radiator thermostat housing, and have a torsional rigidity check done on the engine block followed by a full engine blueprinting and 4 wheel alignment. A frontal impact from an almost stationary vehicle can cause all manner of hidden issues and you can never be too careful.

Alternatively, man up.

[Hell27]

I was after a little advice, because a few years ago I had a low speed collision with a van (van went into the back of me). Got out, looked it over, everything looked fine.
Saw side profile a few weeks later and the rear bumper had dropped at the back by about an inch. Did not get the details that time.

So thanks for all the usual keyboard warrior abuse, but there was some reasoning behind the query. As this can be one of the top sites for motoring knowledge around, thought I'd get another opinion. Thanks to the sensible replies, and to the others, ho ho fecking ho.

[AdeTuono]

Don't take it personally. Just take solace in the fact that you're just another in a long line of posters asking fking stupid questions.
See the 'How can I cut 3mm of metal' thread for another example.

[GarryA]

Great Pretender said:

Hell27 said:

And there was a Golf on the front of it. Now then, the Golf in question appears to have been parked and for whatever reason rolled back into mine. The owner moved the car, and there appears to be no damage - the back of the golf appears to have been resting on the numberplate.

There are no scratches on mine, and all panel are fitting exactly as they should.
Should I contact my insurer and let them know - as I said, there appears to be no damage whatsoever, but should I get it inspected just in case?

Would you like us to wipe your arse too?

Depends, are there any marks?

[aruck]

Hell27 said:

I was after a little advice, because a few years ago I had a low speed collision with a van (van went into the back of me). Got out, looked it over, everything looked fine.
Saw side profile a few weeks later and the rear bumper had dropped at the back by about an inch. Did not get the details that time.

So thanks for all the usual keyboard warrior abuse, but there was some reasoning behind the query. As this can be one of the top sites for motoring knowledge around, thought I'd get another opinion. Thanks to the sensible replies, and to the others, ho ho fecking ho.

I had a similar issues. Small bump in services car park. Thought nothing of it. A few days later noticed the bumper didn't fit quite right. Just make sure that in these situations you look at the car at all possible angles! I would always avoid getting insurers involved where possible.

[magnus911]

busta said:

I'd want a full engineers report, advising to pay special attention to the oil cooler pipe unions and radiator thermostat housing, and have a torsional rigidity check done on the engine block followed by a full engine blueprinting and 4 wheel alignment. A frontal impact from an almost stationary vehicle can cause all manner of hidden issues and you can never be too careful.

First bit of sense in this whole thread. Do the rest of you want the floor falling out of OP's car when he's doing 100 down the M5? bds..

[thebullettrain]

It also depends on your car and your personal risk profile. For example, do you have parking sensors? If so a minor knock and change their trajectory. Best advice is the keep other party's details and get someone to check out the damage - preferably a dealer - after that contact the other driver, and assuming minor damage, an ask them to pay up. Surely, they'd rather give you £100 for a parking sensor realignment then go through insurance.

You should only go through your insurance if absolutely necessary. However, any incident you have should be reportered to your insurer as it changes your risk profile-but many don't.

[thebigmacmoomin]

Hell27 said:

I was after a little advice, because a few years ago I had a low speed collision with a van (van went into the back of me). Got out, looked it over, everything looked fine.
Saw side profile a few weeks later and the rear bumper had dropped at the back by about an inch. Did not get the details that time.

So thanks for all the usual keyboard warrior abuse, but there was some reasoning behind the query. As this can be one of the top sites for motoring knowledge around, thought I'd get another opinion. Thanks to the sensible replies, and to the others, ho ho fecking ho.

Perhaps if you put that in the orignal post then you may not have had the replys that you got.

[Airtrixx]

Its worth keeping the details to hand and getting the car looked at from underneath.

I had a van run in to the back of me at low speed. There was no visible damage and I would probably have left it at that but I took the other persons details because the car I drive is a company car.

When the car was checked on a ramp there was a fair bit of damage underneath which was hidden from view by the bumper (which was not damaged?).

I would get the car checked over to see if there is any damage first and then decide if I needed to notify the insurance company.