So someone hit my car in a supermarket car park, an independent witness left the reg number, description and their phone number.
I'm not sure there is any/much damage. It's possible that there is sufficient damage to the paintwork on the bottom corner of the door that their could be a rust risk
So if the car is damaged (sorry pissing down with rain etc.) if I ring up my insurance company and notify them and they are not successful in claiming against this other person where does that leave me? I'm thinking I'm risking increasing my insurance claim, losing no claims bonus etc. over a level of damage that may just not be worth it.
Does anyone know????
I have to say at glance the damage looks significant off to take photos then clean it up and have a better look...
Your insurance company would claim on the insurnace of the person who hit you, so it wouldn't affect your premiums, etc - though I think you might have to declare it when taking out insurance.
If you have the other person's number, and it's very minor damage you could see if they would prefer to just give you some cash to cover it. That would save them a lot of money (in future insurance premiums) but won't make any difference to you.
I claimed on someone else's once and it definitely didn't affect my premiums. I had to declare that I'd had an accident, but my no claims discount was unaffected.
I also - many years ago - scratched someone's car at a motorway service station and they claimed on my insurance, costing me hundreds of pounds in loss of no claims discount, etc - for what was really just cosmetic damage to their car. But was technically my fault as I was reversing. I assume it cost them nothing to claim on my insurance.
Well I spoke to the police made a report and they should be speaking to the car owner today or tomorrow.
The reg of the car matches the description left by the witness. Spoke to the witness and they said they are 99% sure they were wearing a Sainsbury uniform and they could see the black paint from my car on their bumper.
Will be interesting to see whether the person is happy for the police to pass on their details direct for insurance purposes or Insurance company has to get them from police.