|
|
I am of course aware that insurance companies demand you report every incident, but I am not naïve enough to believe that this is what happens. I personally have never failed to report an accident as the few I have been involved with in 40 years of driving have never been my fault. However, there is no point stating you 'don't want to go through your insurance' and then asking them for advice, as they will see this as an accident and, no-fault or not, in my experience this will invariably impact on subsequent quotes for insurance where you now have to declare the accident on application. I was not judging the moral aspect, simply pointing out the logic.
As for 'if I haven’t even reported it, it’ll be worse for me', that's also illogical as someone has to report an accident first. Being second doesn't mean you're acting in any way suspiciously. The last time I was involved in an accident, 2 years ago, I was stationary at traffic lights at the end of the M67 when I was rammed from behind by a blind old man who was lost (he thought he was on the M61). It took him over 2 weeks to report the accident ( and accept liability), whereas I had reported it within 2 hours. Nothing came of it other than the fact I had to wait 2 weeks before his insurance company would agree to repairs at their expense. My subsequent insurance quote was 10% more expensive even though it was non-fault. Apparently if you have one accident the insurance companies have 'evidence' that you are more likely to have another. Total nonsense, but you try arguing the point! |
|
Author: Hooblue
25-11-2019 00:08:09
Author