What should we do re car accident.

[Tinseltower]

Hi, just wondering what would be best as me and my husband have opposing views.

DH had a minor car accident today. Minimal damage to other car but other driver has been quoted £450 approx to repair.

Our insurance is £850 per year as we have two non fault accidents recorded on it. Previously it was around 400. Now this fault claim would be added to it if we declare through insurance.

What would you recommend paying privately or through the insurance?

If he other person reported to their insurance company, surely mine would call me to check?

If they did decide to go privately and not call theirs then they would be breaking the rules too. So would also look bad if they went to themmweeks later.

I checked the renewal and it would a lot higher with this claim on. It would be cheaper to pay it now.

I checked the renewal and it would a lot higher with this claim on. It would be cheaper to pay it now.
It will be a damned sight more expensive if you don't report it and the insurance company find out. Don't risk it!