Active discussions

Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

Talk
Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Original poster

What should I do? Someone crashed into my car

24 replies

graceinc22 · 24/08/2023 07:33

Hi everyone. This is a new situation for me so I’m a bit unclear what to do. Someone crashed into my car and caused some damage (undisputed that they were fully at fault). They refused to provide their insurance details/address/car reg but eventually provided a contact for an insurance broker. What should I do?

Should I (1) contact my insurance and tell them the situation, leaving them to get the details from her insurance broker and charge them for the repair, or (2) agree a repair directly with her insurance broker?

I would rather do (1) as less hassle but I really don’t want my insurance to end up charging me higher premiums

OP posts:
Defender90 · 24/08/2023 07:35

Speak to your insurer and let them deal with it.

HelpaFriend85 · 24/08/2023 07:35

Her insurance broker? So she is insured? Do you have her reg? Let your insurance company know the details and they’ll guide you. Don’t do the works yourself.

spanieleyes · 24/08/2023 07:36

Given they have been awkward and obstructive just sharing details, I would leave everything to your insurers to sort out!

Trenchfootinthescottishhighlandstoday · 24/08/2023 07:36

Ring your insurance. They send a link to add pics. Add
on what details you have for the other driver. Insurers will sort it all. You are naive thinking he will admit fault on paper! Hope you are OK! I had a crash in June.

PawPrintsInMyPansies · 24/08/2023 07:36

Contact your own insurer. It will
be a condition of your insurance policy that you have to notify them of any incident which may give rise to a claim.

MotherOfGodWeeFella · 24/08/2023 07:37
  1. Report to the police - pretty sure it's an offence not to provide your insurance details and she's left the scene if an accident. Her behaviour suggests she does not have insurance/was driving under the influence of something at the time and is being evasive.
  2. Do not call the "insurance broker", call your own insurance company. It's what you pay for.
anotheranotheranotheranother · 24/08/2023 07:38

agree a repair directly with her insurance broker?

This is not an option.

Contact your insurer. That's the only way forward.

HakunaMatiłda · 24/08/2023 07:39

Did you get her registration details?

Original poster
graceinc22 · 24/08/2023 07:42

Thank you so much everyone - is there a chance that involving my insurer will leave me having to pay higher premiums?

OP posts:
PawPrintsInMyPansies · 24/08/2023 07:45

Yes, it’s possible. But not reporting it could lead to your policy being cancelled for
breaching the policy conditions and then any new policy will be a LOT more expensive as you’d have to disclose that you’d had a previous policy cancelled.

Knackeredhamster · 24/08/2023 07:46

Did you get the reg op?

reallyunderstandsometimes · 24/08/2023 07:47

graceinc22 · 24/08/2023 07:42

Thank you so much everyone - is there a chance that involving my insurer will leave me having to pay higher premiums?

Not always the case, they tend to raise them on renewal but then you can shop around and get back to pre claim levels.

XiCi · 24/08/2023 07:48

Please tell me you took her reg number

Leafcrackle · 24/08/2023 07:48

When someone went into the back of me- and initially refused to give me her name because 'you shouldn't have stopped at the roundabout' (no, I should have ploughed into the car on the roundabout instead), my insurance sorted it all. My premiums didn't go up.

GoingInsaneAhhh · 24/08/2023 07:49

Get the reg and take photos of the reg, their car, them if you can sneakily, the damage on their car/your car. Give details to your insurance. They sound like theyre trying to grt out of it. Let your insurance deal with it

1stTimeBoyMumx · 25/08/2023 20:50

Oh my lord you need to report to your insurance ASAP! You only get 48 hours usually and if you claim off your insurance it won’t affect your premium much if at all! I was technically at fault for insurance purpose (I wasn’t but for insurance I was) my premium went down the following year! Don’t be so naive and get it reported to your insurance regardless as it will invalidate all future insurances should you need to claim and they find out!!

Mummasals · 25/08/2023 21:01

Any claim you make, whether via your own insurer or through the other driver’s insurer, will be logged on the Claims Underwriting Exchange so you’d still need tell your own insurers about it for the purposes of renewal etc. Irrespective of whether you go through your insurance or theirs, you will in theory be saying ‘I had a non fault claim on x date and the overall cost of the claim was £’. The only time that it would be detrimental to go through your insurer would be if the other driver’s insurance don’t reimburse your insurer in full and then it would technically be classed as a fault claim. It’s also important to remember that a quote for renewal is based on around 50 different bits of information, a lot of which doesn’t relate to you directly but if they’ve had more claims in your area, or for the same make and model as your car, it can affect your premium.

Your own insurers have a higher regulatory responsibility to you, so should in theory provide you with a better standard of service (not always the case).

Personally, I would always go through my insurer. The claims service is part of what you pay for.

Sjh15 · 25/08/2023 22:14

My car was a write off, not my fault, and my insurance premium wasn’t affected as it very clearly was not my fault (rear ended, on a straight road, I was stationary, they were going approx 50mph)

Talkingfrog · 26/08/2023 10:20

You need to contact your insurance company. You should have bern able to get the reg number at the time, but if not give them what you have got.
If the person who hit you, or their broker gets in contact don't agree to anything and notify your insurance company.
When you renew you are likely to be asked to declare that there has been no further accident or loss so should be telling the anyway.

Kerri44 · 27/08/2023 08:22

If you don't have any of the other drivers details you're screwed, you need minimum of reg plate of their car.....brokers normally just sell the insurance, if there's a claim it'd be the actual company

Pedallleur · 27/08/2023 10:07

I had an accident the other week. Other drivers fault. My insurance company have waived my excess and provided a loan car even tho this wasn't in my details.

1stTimeBoyMumx · 27/08/2023 20:28

Pedallleur · 27/08/2023 10:07

I had an accident the other week. Other drivers fault. My insurance company have waived my excess and provided a loan car even tho this wasn't in my details.

@Pedallleur that's because they won't be paying for it the other insurance company will be Hmm if you were at fault they wouldn't be

jlpth · 27/08/2023 20:29

we had an accident 100% the other person’s fault, excess waived. Insurance still massively hiked when it came to it.

New posts on this thread. Refresh page