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Minor car accident- didn't need to claim but now other party making a claim HELP(17 Posts)
In early October I was involved in a minor car accident. Was at a traffice light filter on green and the white van in front did an emergency break at the green light for no reason and I bumped the back of him (at less than 5 miles per hour). There was no damage to his vehicle (I took pictures) and only minor damage to my car.
I called the police as the driver became quite agressive and they came and confirmed no damage to his car but asked us to exchange details. I did this as was in shock (am pregnant and had my DC under 2 in car).
The damage to my vehicle cost less than excess on insurance so I just sorted it and as no damage to his van and hit so slowly no claim should have been made (police woman even said that he hda nothing to claim).
Anyway just had letter from my insurance company saying he is making a claim. Am so scared. There's nothing he can actually claim but I think he is going to try and play the system to get money.
I called police but didn't call my imsurance company as had no claim to make. Was that wrong? Will insurance company not help me now? They are not open on weekend so can't speak with them.
Abyone have any tips or advice please?
If he has (or claims to have) found damage to his vehicle caused by the accident then he has the right to claim, if you went into the back of him then you are liable.
There is nothing for you to worry about though, it will just all be sorted through your insurance companies, I would think your company will try very hard to contest it and not pay out seeing as so much time has passed I can't see how he will prove it was anything to do with you.
It's all moot though, as I said before it won't affect you other than your policy going up. Don't be scared though, you haven't done anything wrong
Thank you so much for getting back to me. Do you think that they may cancel my policy because I didn't call them at the time?
It's called a slam on and is quite common at the moment - drivers braking suddenly to take advantage of the legal position that the driver who goes into the rear of another vehicle is always at fault. He will be alleging he has whiplash. It is important to stress to your insurers the speed you were travelling at at the moment of impact and let them deal with it.
They won't cancel your policy, although they may mark it down as a 'late claim'. I had the same thing happen a couple of years ago and although you might get post that seems quite stressful (ie a court summons when your insurance company contests the claim) you won't have to go to court and the insurance company's lawyers will sort it all for you. My premium went up, but only by about £4 per month. Don't panic!
My brother was also in car so I have a witness (though he is a relative). As the light had just turned green I was going from a stop start position so certainly no more than 5 miles per hour. The police told me about the going into the back of someone rule and said that, although they could understand how it happened the highway code says you should have a minimun of 5mtrs between you and next car (or something like that).
I just feel like I've really messed up by not calling insurance. I have n ever been in an accident before and although it is my fault I chose to listen to family members who said not to bother as the damage was so minimal.
I would be completely wiped out if they claim lots of money and insurance won't cover me. I'm probably being overly anxious but don't have lots of money and feel so foolish now.
The driver didn't speak very good English and just seemed to know how to swear and be aggressive.
Thanks notnowImreading - that's very reassuring. I think I'm just one of those people who always follows rules so feel really anxious that I didn't realise exact process.
It's so bad people try to play the system- we have an old car worth very little, I'm noticably pregnant and had a young toddler with me. You'd think people would have some morals about their behaviour.
My father in law told me about the sudden stop scam too. So cruel.
Someone went into the back of DH once and he thought no damage had been done, but when the car next went in for service, they said it was actually noticeably shorter than it should be - it took quite a bit off the resale value. So it's quite possible that damage has only appeared later.
Sounds like a late claim for whiplash as said earlier. Most insurance companies claims depts are open at weekends to report claims otherwise try not to panic. Tell the insurance company police were involved.
Someone went into the back of me at lights a few months ago. At the immediate time it didn't look like there was any major damage but thankfully i still took other drivers contact details. It wasn't until later on when dp had a look at the car that all the damage became apparent, and there was a lot underneath, so much so that we had a blowout on the dual carriage way at 70mph as something had been knocked out of place underneath and was rubbing on the tyre, as well as a lot of scratches that i hadn't really noticed . And i did claim for whiplash. I didn't think i got any on the day of the accident but i certainly knew about the day after. At the end of the day you were at fault, and were obviously driving to close to the car in front, and as such have to suck up any claims.
And, for the record, you should ALWAYS inform your insurance company about any bump, even if you don't intend to claim, exactly for this scenario.
My son works in a legal firm and deals with these "slam on " claims all the time. He says to phone your insurance company straight away and tell them in great detail what happened. Tell them in no uncertain terms that they are not to settle without consulting you first. Get a copy of the police report and invoices of the repairs. Send copies of all of these to your insurance company.
This happened to my son a few months ago. He phoned his insurance company straight away and followed it up with a letter. He has not had to pay out.
You must always phone your insurance comps straightaway even if you don't intend to claim. Scammers bank on you not doing so, and then come in with a claim a couple of months down the line.
Don't panic, just call your insurers today and get the forms etc. I hit a car in a car park once making tiny dent/scratch in wheel arch and left my details (name and phone no. but not address as I didn't fancy people coming to my flat in person to sort it out). I heard nothing for 10 months until a car hire company called me to say they were taking me to court. Turned out they'd just guessed my address as I had an unusual foreign name and they'd been sending all correspondence to someone else in my town with that name (not a relative, I didn't know them). They'd tried ringing a couple of times but never left a message etc. I had to call my insurers and explain as the car hire co. had replaced 2 entire wings of the car and I couldn't afford to pay it. I couldn't even remember which side of my car had hit the other car (no damage to my car at all). The insurers were fine with it when I explained why I'd done nothing. The fact you called the police should go some way to demonstrating you weren't trying to pull a fast one. Also raise your concern that it might be a scam when you speak with them.
Could well be a scam, particularly if they then claim for whiplash. Stress to insurance co that you have witnesses and ensure that they fight the claim.
There's a lot of these atm as they rely on the fact that it's cheaper to pay out than fight it. That depends on the policy of your insurance co tbh, who is it?
My mum got caught on one of these too. They got greedy and forgot the details (each "passenger" gave a different statement - I use quotes because they weren't even consistent on how many in the car) so it quickly became obvious it was a scam.
Birmingham is one of the worst areas for it, apparently, and it's mostly done by Asian men. If any of that helps.
OP the fact you didn't report the incident at the time isn't going to invalidate your insurance. You pay for the cover, and while not reporting an incident is technically a breach of your policy conditions, the reality is it makes no real difference. All you have done by not reporting at the time is give your insurer the opportunity to properly investigate the circumstances and any claim against you. If you have photos, make sure you provide them to your insurer as they might help. And pass all correspondence onto your insurer and let them sort it.
Please help. I am in a similar situation. Had a minor accident when an elderly person scrape my car. No major damge. We exchange name and address. I kept a full note and took photographs of my car. Did not hear any thing from from other side for months. I was waiting to see if other side claims then I will submit a claim. I assumed the other side also decided not to claim. After over 5 months delay a very cryptic letter with not much details has arrived from other side while I was away. opposite side. The girl was not very helpful at the weekend and advised to contact customer service between 9-5 tuesday under existing claims, she kept on repeating about the delay in reporting. Please advise. What will be best to do? I don't want to speak to the opposite side agents as not much detail has been given Should I send this letter to my insurer to liaise with the opposite side. Would they create any difficulty for me. Please advise.
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