In November 2021 I was involved in a car accident. The third party accepted liability at the scene but is now disputing this. I have made a claim with the company I am with.
So far my insurance company have organised for my car to be viewed at a garage and a date for repair has been arranged.
I am in the process of renewing my car insurance atm. A family member was helping me following this recent claim.
They pointed out that I had stated on my policy for 2021 that I had had no accidents over the last five years, but that I DID have an accident in August 2016. (someone bashed into the back of my car that was parked in my driveway)
I explained that no, I didn’t have an accident in 2016, as my car was parked and I wasn’t in the car, I did however report that incident to my then-insurance company, they had said everything was fine because the other party was dealing with it all through their insurance company, which they did.
My family member said that I have totally misinterpreted the question and that this should have been declared over the last four years as it still counts as an accident, but I have never declared it to any insurance company that I have been with over that time as I didn't think I had to.
I came back home and researched online and am now terrified as it seems I should have been declaring this. I also found out that it is held on a database and my policy will be void should my insurer check!!!
I have never had to fill in forms like this before - my husband (deceased) handled these things - and I thought I had answered truthfully and correctly.
I am worried sick about what to do about this. Please advise.