Insurance question

[EdT]

A large delivery van didnt leave me any room on a minor road, causing me some wing mirror damage recently, cosmetic really.
My dash cam captured this.
I contacted the company, no issues really, and shared a couple of stills.
Now I'm getting mails from Allianz (their insurers) to upload the photos. If I do this, and continue the process, will I be potentially masked as 'high risk' or something else undesirable, and next year suffer a premium hike?

[EdT]

trashbat said:

Which mirror, left or right?

That van hit my offside mirror.

[EdT]

Sheepshanks said:

You are high risk - you drive at speed down narrow lanes apparently with no awareness of what might be coming towards you.

The bend shown looks reasonably gentle so you should have had decent visibility and had time to stop.

Woudnt have made any difference - he'd still have struck the mirror

[EdT]

Road2Ruin said:

The OP, it looks like, had an opportunity to stop or at least slow and didn't.

Does it matter though if I was doing 0mph, or ~25+mph? Pace wasn't the cause of the damage, neither of were speeding I expect.
The combined speed doesnt alter the width of the opposing vehicles, and has no/little say in the outcome.

Anyhow, I cant risk an (expected modest) cost to fix this damage messing my insurance renewal, so I feel best to agree with advice here to suck it up

[EdT]

Sheepshanks said:

Yes, but you wouldn't have been doing 28MPH. If you're stopped, it's always the moving driver's fault.

I'll keep that in mind for next time!

[EdT]

Road2Ruin said:

Yes it does matter. If the lorry were stationary and you were moving, you hit it. If you were stationary and the lorry were moving, it hit you. If you are both moving, you hit each other. There were no cenre lane markings, so neither of you had any more right to be where you were.

There are lane markings along there. The centre marking shown here, behind the truck's rear tyre



(The pale patch in front of the wheel is a surface fix, not a lane mark)

If I'd have positioned myself any more left I'd have mounted the verge

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Sheepshanks said:

They don't make any difference to the situation.

What's their point then?

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the-norseman said:

Show us the whole clip. and what road is it?

Hopefully if you click the still, it'll play

[EdT]

wazztie16 said:

Looks like the lorry slowed more than you did, and tried to keep as far over to their own side as possible.

Obvs I disagree with that...

[EdT]

To close this one up, the company admitted fault and it got resolved, slowly, but agreeably